A segmented or modular plan focuses on a single issue, such as
retirement income.
Such plans are seldom recommended, as all components of a financial
plan interact, just as your life does.
Retirement income plans have also been given a bad name by fund
floggers who provide colourful and graphic illustrations of your needs
after a ten minute interview. Such illustrations are usually inaccurate,
improperly applying tax and government benefits, and generally
fail to account for your lifestyle aspirations.
Refer to a fully comprehensive plan for fuller detail on segments
often included in plan documents.
