Justin Fitzpatrick

Co-founder and chief innovation officer

Justin Fitzpatrick is co-founder and chief innovation officer of Income Lab. Before Income Lab, he spent 10 years in financial services sales, distribution and management. Earlier, he spent seven years in academia. He has taught at the Massachusetts Institute of Technology; Harvard University; Queen Mary, University of London; and the University of California, Los Angeles. He is a Chartered Financial Analyst Charterholder and a Certified Financial Planner professional.

Retirement

Retiree withdrawal rates alone are misleading. Here’s why

Annual drawdowns tell us little about possible standards of living in retirement as investors spend dollars, not percentages.

By Justin Fitzpatrick

January 21