E4IS welcomes Matt Fitzpatrick, CFP®, CLU®, ChFC® to review how to use life insurance to de-risk clients’ retirement. One of the most significant risks in retirement is having clients run out of money due to market declines during portfolio distribution. The mathematics of recovery from loss raises the risk of portfolio failure. Permanent life insurance can provide an alternate, back-up source of income in the event that market declines create excessively high portfolio withdrawal rates.