> Its an example of a possible scenario so not really possible to be suspect. This doesn't follow. I would expect any financial planner worth their salt to con

> Its an example of a possible scenario so not really possible to be suspect. This doesn't follow. I would expect any financial planner worth their salt to consider many different scenarios and make decisions based on which scenarios they think are likely... not based on which scenarios they think are possible. The fact that it's possible for a decision to put you in a disadvantageous position does not mean that you made the wrong decision. It may just mean that you made a reasonable decision but failed to predict future market behavior. The idea of using a 40-year high for inflation to do your long-term planning sounds like some pretty outrageous incompetence to me.