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The attached link provides access to an abstract and paper "Assessing the Costs and Benefits of Brokers in the Mutual Fund Industry" presented by authors from Harvard Business School and University of Oregon at the AFA 2006 Boston Meetings.  The study seems to indicate what many on this forum...

Hello all.  My first post/question on this fine forum.  Am retired early @ 60 and in distribution phase of IRA and the question relates to same circumstance.   I seek comments and observations regarding adaptation of the so called "endowment" model of spending to retirement fund spending.  The...