joining the round table, hol hi are newman kroft. -- holly newman kroft. with you, what are we looking at in this week's baer ron's. >> we have a whole cover package on how to spend what you've managed to save. and we lead off looking at the role of dividends in a retirement portfolio, and we look at ways that companies which have helped employees set up 401(k)s and other ways of saving are now starting to help them withdraw money at the appropriate times whether it's through system mat ific withdrawals or adding anaughty product -- annuity product. jack: holly, you work with clients who face this or will soon. what's the big picture? what is the problem that they're trying to solve? >> i think the problem is how to manage yourself through retirement, have enough money so that you don't have to compromise your lifestyle in an environment where you have to build a portfolio that has some risk. you know, many years ago, 20 years ago you could have a portfolio that returned 7%, 100% in fixed income. you certainly can't do that today. jack: because bonds were

joining the round table, hol hi are newman kroft. -- holly newman kroft.s. >> we have a whole cover package on how to spend what you've managed to save. and we lead off looking at the role of dividends in a retirement portfolio, and we look at ways that companies which have helped employees set up 401(k)s and other ways of saving are now starting to help them withdraw money at the appropriate times whether it's through system mat ific withdrawals or adding anaughty product -- annuity product. jack: holly, you work with clients who face this or will soon. what's the big picture? what is the problem that they're trying to solve? >> i think the problem is how to manage yourself through retirement, have enough money so that you don't have to compromise your lifestyle in an environment where you have to build a portfolio that has some risk. you know, many years ago, 20 years ago you could have a portfolio that returned 7%, 100% in fixed income. you certainly can't do that today. jack: because bonds were yielding 6, 7%. >> correct, yeah. jack: so, lauren, one wa