In advance of Bill Bengen’s keynote at this year’s T3 Technology Conference, Bob Veres sat down with the renowned financial advisor and author to reflect on how the financial planning profession moved from simplistic average-return assumptions to a far more rigorous understanding of sequence-of-returns risk, sustainable withdrawal rates, and dynamic income strategies. The duo also explores how the advisory landscape itself has matured: larger firms, deeper research, guardrail methodologies, rising equity glide paths, and the growing role of software and AI in automating what once required millions of spreadsheet calculations.

The T3 fintech conference agenda for 2026 is shaping up nicely! Featured speakers you won’t want to miss include:

And sooooo many more! Seriously, don’t miss T3 this year.