This previously published article is part of 12 Days of Wealth Managment: The Year in Review.

There have long been certain metrics—financial planning assumptions—that advisors have used in order to structure their clients' portfolios to achieve a comfortable retirement. While the future has ever been unknowable, these assumptions seemed to stand the test of time. Unfortunately, biology, markets and politics have conspired to invalidate those assumptions. Today, the retirement planning script has been rewritten, and almost none of these beloved planning metrics hold true anymore. They've been replaced with new numbers that advisors must begin to integrate into their planning now, or risk leaving their clients—even their wealthiest ones—high and dry in their Golden Years.

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