Shifting aspirations from saving to living in retirement Your clients have di昀昀erent needs and face di昀昀erent challenges when saving for retirement versus living o昀昀 their retirement savings. That’s why the options available in the accumulation phase are designed to help to provide growth opportunities for your clients’ assets based on market performance, while the ones available in the distribution phase are designed to make sure their income lasts for a lifetime. 16 For Financial Professional Use Only. Not for Use With Consumers.