Aligning retirement assets based on how they will be used to support an individual’s retirement lifestyle is one way to ensure a higher degree of confidence through retirement. Known as “guarantee the floor,” this chart shows regular or 'stable spending' - what a household wants to have available each month - can be aligned with relatively safe or guaranteed funding sources.  More variable spending can be covered when it occurs by investment income or a cash reserve. If leaving a legacy is a goal, strategies focused on growth or capital preservation, or that are more illiquid may make sense given the longer time horizon.