Sam Pemberton
Decumulation: “The Nastiest, Hardest Problem in Finance”
Timeline
21.07.2026
Explain why decumulation is considered uniquely complex, including the key risks such as longevity, sequencing, and uncertain expenditure.
60 minutes
Evaluate a range of decumulation strategies, including flexible spending, guaranteed income, and bucketing, and identify when each may be appropriate.
Apply structured thinking to decumulation planning conversations, translating complex trade-offs into clear client guidance.
Assess how different decumulation approaches interact with a client's wider financial plan, including tax, estate planning, and behavioural considerations.
Distributed by:
SP

Issued to

Sam Pemberton

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Credential Verification

Issue date: July 24, 2026

ID: 708c502f-f293-41ab-a921-0f63aa4f4348

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Timeline

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Type

Webinar

Level

Professional

Format

Online

Duration

60 minutes

Price

Free

Description

In this session, we explored decumulation, digging into its complexity, as well as strategies that advisers have to operate in this space (including spending approaches, secure income and “bucketing”).