An Engineer's Guide to Income Reliability in Retirement: A Rule-Based Approach to Investing and Capital Preservation

You have retired. Your paycheck has stopped. Now your portfolio must do the work.Retirement changes the purpose of investing. The goal is no longer to accumulate wealth for some distant future. The goal is to produce reliable income, preserve capital, and maintain your standard of living for the rest of your life.Most investment books focus on beating the market. This book focuses on a more important retirement question: How can your portfolio provide dependable income without forcing you to spend down principal or sell assets at the wrong time?In An Engineer’s Guide to Income Reliability in Retirement, Barry P. Cohn, PhD, applies an engineer’s disciplined, rule-based approach to retirement income design. Drawing on systems thinking and value-investing principles, he explains how accumulated savings can be organized into an income system built for durability, control, and financial security.This book explains how to:• Shift from accumulation to income reliability• Build a portfolio around contractual income and high-quality dividend growth• Preserve core capital by living from income rather than principal• Use the “15 Pillars” to guide retirement portfolio construction• Identify and avoid financial products that can weaken retirement securityAn Engineer’s Guide to Income Reliability in Retirement is not about speculation, market timing, or chasing performance. It shows the reader how to build a retirement income system with the structural integrity to support life after the paycheck stops. Read more