The growth and widespread adoption of exchange-traded funds (ETFs) has had a profound impact on retirement planning. As the need for low-cost diversification continues to grow, ETFs provide a new model for generating sustainable retirement income. The transition from asset accumulation to retirement planning is a critical period for most investors. Unfortunately, this transition is often riddled with complex decisions. From deciding how to allocate assets to when to tap into Social Security benefits, planning for your golden years isn’t as straightforward as it seems.