 Once you retire, they tell you to take your shovel and start removing money from the pile. Brokers that sell variable products have if-come words and phrases like diversification, bond allocation, and portfolio rebalancing are used to make you feel safe about your retirement. But in the end, your money is still subject to market risk. With income planning, I will show you how to take a look at your money as a lifetime benefit, not a pile of money.