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The Cookie Jar Was Right All Along

What if one of behavioral finance’s supposed biases is actually a retirement planning superpower? Drawing on the simple wisdom of the cookie jar, Philip G. Lubinski, CFP®, explores why giving money a clear purpose can help retirees make better decisions, reduce anxiety, and stay disciplined through market uncertainty.

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IncomeConductor has been named a 2026 Wealthies finalist by Wealth Management in the Retirement Income Technology category for their Advanced Annuity Modeling platform enhancement.

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