What Is the Retirement Spending Smile? How It Impacts Retirement Planning | Dunham

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© 2026 Dunham. All rights reserved.Advisory services and securities are offered through Dunham & Associates Investment Counsel, Inc., a Registered Investment Advisor and Broker/Dealer, Member FINRA / SIPC. Trust services offered through Dunham Trust Company, an affiliated Nevada trust company.Dunham Private Trust is the Wyoming division of Dunham Trust Company.

What Is the Retirement Spending Smile? How It Impacts Retirement Planning | Dunham