The Long View Jamie Hopkins and Bonnie Treichel: Why You Can’t Set and Forget a Retirement Plan
Mar 10, 2026
Bonnie Treichel, founder of Endeavor Retirement with deep retirement-plan expertise, and Jamie Hopkins, CEO and retirement educator, discuss retirement planning. They explore shifting to a retirement mindset, in-plan annuities and creating retirement paychecks. They cover bucketing assets, managing sequence-of-returns risk, Social Security funding risks, and how advisors address emotional and lifestyle planning.
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Rewirement Is A Complete Mindset Shift
- Rewirement means retirees must shift from a lifetime of saving to a new mindset focused on spending, meaning, and designing daily life.
- Jamie Hopkins coined the term and stresses retirees must create structure and community outside work to thrive.
Build Guaranteed Income To Give Permission To Spend
- Give yourself permission to spend by building safe guaranteed income layers so withdrawals don't feel like losses.
- Use retirement income analysis plus Social Security and annuities to create certainty that supports comfortable spending.
Use In‑Plan Annuities For Scalable Lifetime Income
- Consider in-plan annuities as a scalable way to convert 401(k) balances into reliable lifetime income for participants without advisors.
- Bonnie Treichel says platform and record-keeper integration is early but promising for broad access.
