Don't drift into your retirement. Design it. Join us in the next Design Your New Life in Retirement group program starting April 26. _____________________ Who knows more about whether or not you're ready to retire? Your financial advisor - or you? While you're diligently planning for your retirement and dreaming to retire happy, the retirement landscape keeps evolving around you. Let's take a look at what's happening in the world of retirement with Nate Miles of Allspring Global Investments. He joins us to the discuss key trends highlighted in their latest study on retirement, including happiness in retirement, retirement readiness, what retirees regret - and more. Nate Miles joins us from North Carolina. ___________________ Bio Nathaniel (Nate) Miles is head of Global Client Strategy at Allspring Global Investments. As the leader of this business, Nate leads a team of investment specialists centered on client-type expertise, which enables Allspring to be more relevant and impactful with clients. Client-type areas of expertise include Defined Contribution, Pension/LDI, Insurance, Liquidity, Foundations and Endowments, and Wealth. Nate joined Allspring from its predecessor firm, Wells Fargo Asset Management (WFAM). He joined WFAM from WisdomTree Asset Management, where he served as U.S. head of retirement solutions. In this capacity, he oversaw the creation and execution of marketing strategies and distribution for retirement business across all platforms. Prior to this, Nate worked as a managing director at State Street Global Advisors and as head of U.S. investment strategy with its defined contribution team, where he began his investment industry career in 2005. Nate earned a bachelor’s degree in economics and financial management with honors from Wilfrid Laurier University. He has earned the right to use the Chartered Financial Analyst® (CFA®) designation and is a member of CFA Society Boston. _________________________ For More on Nate Miles  The 21st annual Allspring Global Investments Retirement Survey: A Clear Vision of Retirement Allspring Global Investments _________________________ Podcast Episodes You May Like Life in Retirement: Expectations & Realities – Catherine Collinson Retire Happy – Dr. Catherine Sanderson _________________________ Wise Quotes  On Happiness in Retirement "The one thing that we found out every year is our study says and relates how happy retirees are. So that wasn't new, but we are trying to get to the why. And one of the things we found this year for the first time was that on average retirees could have their spending decline by 25% before it significantly impacted their happiness. So that was a bigger number than I expected, but was corroborated by the fact that when we asked them about their spending on things like their needs, wants and wishes, that only tallied up about 64% of total income. So those numbers actually jive together and I think are a nice story and a nice finding from this study." On Retirement Readiness "Advisors ranked their clients as 40% of them being generally ready for retirement. Near retirees were down below 40%. So there was actually a positive spread. I would say advisors believed them to be a little more prepared, but retirees were up around 77%, so clearly much happier. So overall we had advisors at about 50% of their client base being ready for retirement versus a total population of 64%. But that's really broken down between those two groups where the retirees were much more confident than near retirees." On Regrets "It was a little bit harder to find regrets because our retirees tend to be generally pretty happy. They don't tend to have much complaint about retirement. It is generally better than they expected.  One was the too early crowd. We saw some that retired before age 50, 38% suggested that it was too early. They wished they would've hung on and worked a little bit longer...