Janus has just launched a new online retirement income program for financial advisers, called Janus Time Segmentation Framework. The surprising part: it seems better designed for advisers than it does for their clients.

Here's why: Janus' retirement income tool flies in the face of the long-held belief that older investors should decrease their exposure to equities. Instead, the retirement income program advocates increasing risk in later years with the intention of providing adequate income for 30 years or more.

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