A successful retirement requires solving each of the SMILE risks - Sequencing, Market, Inflation, Longevity and Emotional. Nobel laureate Jan Tilbergen found that you can't effectively solve multiple problems with a single solution, yet many retirees attempt to manage all the SMILE risks with investment strategy alone. To help advisers better assist their retired clients, this session will:

• Provide an overview of the SMILE risks
• Demonstrate the limitations and trade-offs required from common approaches
• Detail how new IRIS legislation has increased the strategies available to manage SMILE risks
• Explain how IRIS strategies can enhance investments solutions such as SMAs to improve retirement outcomes