After he spent some time reviewing his own retirement plan, Financial Planning Senior Editor Charles Paikert noted that interest rates, a historic pillar of income, had fallen to all-time lows, and the prospect for an uptick anytime soon appeared remote.

What does this portend for clients, he wondered, given that many had expected yields to offer a small, but dependable, income stream? And what does it mean for planners, who must also readjust their portfolio recommendations?

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