Christine Benz: Hi, I'm Christine Benz for Morningstar.com. Welcome to our special webcast for premium members of Morningstar.com. I'm going to be talking about a year-end portfolio to-do list for retirees. Over the course of the next hour, I'll share with you my thoughts on what should be on your punch list as 2017 winds down. We're also going to be taking some of your questions. If you have a question, please do use the chat module at the bottom of your screen to submit your questions. Toward the end of the presentation, toward the end of this hour, my colleague Jeremy Glaser will be coming out and we will be discussing some of your questions toward the later part of the presentation.
Let's get right into an overview of the presentation. I have six key to-do's that should be on your radar as 2017 winds down. The first is to do what I think of as kind of a wellness check for your retirement portfolio plan. The key thing you want to keep your eyes on is your withdrawal rate. I'll talk about how to gauge your withdrawal rate and how to look at whether that withdrawal rate makes sense given where you are in your retirement life cycle and given your portfolio's asset allocation.