How Real Retirement Spending Patterns Change Traditional Retirement Withdrawal Strategies & Rethinking Monte Carlo Results for Better Client Conversations

Dr. Derek Tharp

Derek Tharp is the Lead Researcher at Kitces.com, an Assistant Professor of Finance at the University of Southern Maine, the Founder of Conscious Capital, and a Senior Advisor to Income Lab.

In addition to writing at Kitces.com, Derek regularly contributes to the wealth management section of the Wall Street Journal’s Experts Blog.

His research has been published in academic journals such as Financial Planning Review, Journal of Retirement, and Journal of Personal Finance.