Retirement Cash Flow Planning: The Structure is the Strategy

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For decades, retirement planning has focused on helping clients save enough. Yet many retirees, even affluent ones, face a surprising challenge: spending with confidence. This hesitation can lead to a retirement that succeeds on paper but falls short in practice, as clients struggle to enjoy the assets they've worked so hard to accumulate.

The key to unlocking their confidence lies in structure. The same disciplined approach that built their wealth is often missing in decumulation. Join us to explore the behavioral hurdles driving this trend and learn a new framework for client conversations.

In this webcast, you will learn:

- Why underspending is an often-overlooked behavioral risk for clients.

- How deep-seated saver habits and loss aversion impact spending decisions.

- Why a structured approach matters as much in decumulation as in accumulation.

- How to build a paycheck-like income framework to increase client confidence.

- Practical ways to reframe conversations and help clients transition to spending.

Don't miss this opportunity to gain actionable strategies that can transform your clients' retirement experience. Register today to secure your spot and help your clients move from successful savers to confident spenders.

Featured Speakers:

Chris Huemmer | Director of ETF Product Management | Northern Trust Asset Management

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Can't attend live? Register and view the webinar on demand.

Before investing, carefully read the fund prospectus and consider the investment objectives, risks, charges and expenses. This and more complete information about the fund is in the prospectus and a summary prospectus, copies of which may be obtained by visiting etfs.ntam.northerntrust.com. Read the prospectus carefully before you invest.

All investments are subject to numerous risks, including possible loss of principal. Fund returns may not match the return of the respective indexes. The Funds are subject to the following principal risks: asset class; authorized participant; calculation methodology; commodity; concentration; counterparty; currency; derivatives; dividend; emerging markets; Environmental, Social, Governance (ESG); equity securities; financial sector; fluctuation of yield and principal payment risk; foreign securities; fund termination risk; geographic; high portfolio turnover; income; industry concentration; inflation; infrastructure-related companies; interest rate; issuer; liquidity; large cap; management; market; market trading; mid cap stock; MLP; momentum; municipal investment risk; municipal market volatility risk; natural resources; new funds; non-diversification; passive investment; privatization; securities lending; small cap stock; tax liability risk; tracking error; value investing; and volatility risk. A full description of risks is in the prospectus.

The Northern Trust Core Select Bond ETF, Northern Trust STOXX US ESG Select ETF, Northern Trust STOXX Global ESG Select ETF, Northern Trust ESG & Climate Developed Markets ex-US Core ETF, Northern Trust ESG & Climate Investment Grade Corporate Core ETF, Northern Trust ESG & Climate US Large Cap Core ETF, Northern Trust Global Quality Real Estate ETF, Northern Trust Morningstar Global Upstream Natural Resources ETF, Northern Trust High Yield Value-Scored Bond ETF, Northern Trust International Quality Dividend ETF, Northern Trust International Quality Dividend Dynamic ETF, Northern Trust Credit-Scored US Long Corporate Bond ETF, Northern Trust Disciplined Duration MBS ETF, Northern Trust STOXX Global Broad Infrastructure ETF, Northern Trust Quality Dividend Defensive ETF, Northern Trust Quality Dividend ETF, Northern Trust US Quality Large Cap ETF, Northern Trust US Quality Low Volatility ETF, Northern Trust Developed Markets ex-US Quality Low Volatility ETF, Northern Trust Emerging Markets Quality Low Volatility ETF, Northern Trust Ultra-Short Income ETF, Northern Trust Credit-Scored US Corporate Bond ETF, Northern Trust iBoxx 5-Year Target Duration TIPS ETF, Northern Trust iBoxx 3-Year Target Duration TIPS ETF, Northern Trust Morningstar U.S. Market Factor Tilt ETF, Northern Trust Morningstar Developed Markets ex-US Factor Tilt ETF, and the Northern Trust Morningstar Emerging Markets Factor Tilt ETF in the FlexShares Trust, registered with the United States Securities and Exchange Commission under the Investment Company Act of 1940, are distributed by Foreside Fund Services, LLC, not affiliated with Northern Trust.

The Northern Trust Short-Term Tax-Exempt Bond ETF, Northern Trust Intermediate Tax-Exempt Bond ETF, Northern Trust Tax-Exempt Bond ETF, Northern Trust 2030 Tax-Exempt Distributing Ladder ETF, Northern Trust 2031 Tax-Exempt Distributing Ladder ETF, Northern Trust 2035 Tax-Exempt Distributing Ladder ETF, Northern Trust 2036 Tax-Exempt Distributing Ladder ETF, Northern Trust 2045 Tax-Exempt Distributing Ladder ETF, Northern Trust 2046 Tax-Exempt Distributing Ladder ETF, Northern Trust 2055 Tax-Exempt Distributing Ladder ETF, Northern Trust 2056 Tax-Exempt Distributing Ladder ETF, Northern Trust 2030 Inflation-Linked Distributing Ladder ETF, Northern Trust 2031 Inflation-Linked Distributing Ladder ETF, Northern Trust 2035 Inflation-Linked Distributing Ladder ETF, Northern Trust 2036 Inflation-Linked Distributing Ladder ETF, Northern Trust 2045 Inflation-Linked Distributing Ladder ETF, Northern Trust 2046 Inflation-Linked Distributing Ladder ETF, Northern Trust 2055 Inflation-Linked Distributing Ladder ETF, Northern Trust 2056 Inflation-Linked Distributing Ladder ETF, and the Northern Trust US Equity ETF in the Northern Funds Trust, are registered with the United States Securities and Exchange Commission under the Investment Company Act of 1940, are distributed by Northern Funds Distributors, LLC, not affiliated with Northern Trust.