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There's a decent amount of research out there that suggests retirees underspend, an effect that's been dubbed the "retirement consumption gap."
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David Blanchett
David Blanchett, Ph.D., CFA, CFP, is managing director and head of retirement research for PGIM DC Solutions, the global investment management business of Prudential Financial Inc. Previously, he worked at Morningstar Investment Management LLC and Unified Trust Co.
David has published over 100 papers in academic and industry journals. His research has received awards from the Academy of Financial Services (2017), the CFP Board (2017), the Financial Analysts Journal (2015), the Financial Planning Association (2020), the International Centre for Pension Management (2020), the Journal of Financial Planning (2007, 2014, 2015, 2019), the Journal of Financial Services Professionals (2022), and the Retirement Management Journal (2012). He is a regular contributor to Advisor Perspectives, ThinkAdvisor and The Wall Street Journal.
David is an adjunct professor of wealth management at The American College of Financial Services and a research fellow for the Alliance for Lifetime Income.
