From Saving to Spending: Investing Strategies for Retirement Income

Retirement investing is different from retirement saving. While many investors spend decades focused on accumulating assets, retirement introduces a new challenge: transforming those savings into a reliable source of income that can support lifestyle goals for years—or even decades—to come.
Join us for an in-person presentation designed to help retirees and pre-retirees better understand how investment decisions may impact retirement income, portfolio longevity, purchasing power, and financial flexibility throughout retirement.
During this session, we will discuss the unique challenges retirees face, including inflation, market volatility, taxes, healthcare costs, and longevity risk. We will also explore investment and income strategies that may help retirees balance growth, income, stability, and flexibility while navigating an ever-changing financial landscape.
Event Details
Location: John G. Ullman & Associates Headquarters (343 Daniel Zenker Drive, Horseheads, NY 14845)
Date: Thursday, August 27, 2026
Time: 6:00 p.m.
What We’ll Discuss
This presentation will cover several important retirement investing and income planning considerations, including:
• How retirement investing differs from retirement saving
• The financial risks retirees face, including longevity, inflation, market volatility, healthcare expenses, and taxes
• How retirement income is generated from Social Security, pensions, investments, and other sources
• Strategies for creating a retirement “paycheck” and coordinating multiple income streams
• The role of dividend-paying stocks, bonds, bond ladders, and other income-producing investments
• How market volatility can affect retirement income and portfolio sustainability
• Retirement income bucket strategies and structuring investments based on time horizon
• Sustainable withdrawal strategies and factors that influence how long retirement assets may last
• Tax-efficient withdrawal considerations and retirement income planning opportunities
• Practical ways retirees can stay flexible and adapt their financial plans throughout retirement
Who Should Attend
This session may be helpful for:
• Individuals approaching retirement
• Retirees seeking strategies for generating sustainable retirement income
• Investors concerned about inflation and maintaining purchasing power
• Individuals interested in balancing growth, income, and risk during retirement
• Those looking to better understand withdrawal strategies and retirement income planning
• Anyone seeking greater confidence in their long-term retirement investment strategy
Featured Presenters
Jason Nickerson, CFP®, EA
President & Chief Operating Officer
Dan Obrist, CFA®
Equities Research Analyst
Why Attend
The transition from saving for retirement to spending in retirement can create new challenges and opportunities. Decisions regarding investments, withdrawals, taxes, and risk management can have a meaningful impact on retirement income and long-term financial security.
Understanding how these factors work together may help retirees make more informed decisions, remain focused during periods of market volatility, and develop strategies designed to support both current income needs and future goals.