Stefan Sharkansky
Principal of Useful Work, Inc., researcher and practitioner in retirement planning and direct indexing, author of the Financial Analysts Journal article about a flexible spending rule and creator of The Best Third retirement tool.
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Mar 1, 2026 • 25min
Stefan Sharkansky: The Only Other Spending Rule Article You Will Ever Need
Stefan Sharkansky, principal of Useful Work and author of a Financial Analysts Journal article, is a retirement planning researcher and tool creator. He presents a flexible two-asset spending framework using TIPS for secure base income and stocks for variable bonus payouts. He discusses matching spending shapes, TIPS ladder trade-offs, implementation tips and his Best Third tool for practical decumulation design.
