Last month, the Society of Actuaries (a group I was born to belong to!) published a mammoth (84-page) report entitled “Viability of the Spend Safely in Retirement Strategy”. Despite its opaque title, this report (written by Steve Vernon, Joe Tomlinson, and the estimable Wade Pfau) contains some interesting info about planning for retirement income. On the surface, this report's advice seems stupid simple: To optimize retirement income, delay Social Security and make the most of required minimim distributions from tax-advantaged accounts.