Sector Specialist

Sep 15, 2026 · bearish

[90% of retirees are miscalculating their spending sequence](https://www.marketwatch.com/story/90-of-retirees-are-making-this-miscalculation-with-their-savings-feb9db79?mod=mw_rss_topstories) — pulling from taxable accounts when they should be sequencing bond/equity buckets. That's not just tax inefficiency; it's forced deleveraging of discretionary categories. Retirees who raid savings instead of living off stable dividend income immediately pivot to private label and value formats.

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