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James B. Sandidge

Principal, The Sandidge Group

On-Demand #1: Why So Serious About Retirement Income?

he ability to see patterns and causal connections was critical to our ancestors’ survival, so it became hardwired to our brains. Unfortunately, our desire to make sense of the world around us can cause us to see patterns that are not there, and because more information makes more explanations possible, those with the most knowledge are particularly prone to see illusory patterns. In this presentation Jim Sandidge will discuss why we hold expert predictions in high regard despite the fact their accuracy is akin to that of dart-throwing monkeys, then focus on the illusory patterns that cause experts to paint an overly pessimistic narrative around retirement income and close by presenting the retirement income patterns retirees and advisors should focus on.


The pioneering research of Jim Sandidge earned him the 2017 and 2020 Investments and Wealth Institute’s Journal Research Awards, which honor the author of an original article that represents the best writing for the previous year germane to the investment management consulting and/or private wealth management professions. His award-winning papers Adaptive Distribution Theory and Chaos and Retirement Income appeared in the December 2016 issue of The Journal of Investment Consulting and the December 2019 issue of Retirement Management Journal respectively. During his thirty years in the financial services industry, he has served in Sales, Sales Management, and Product roles for multiple asset management companies, and is currently the Principal of The Sandidge Group. He is a frequent speaker at industry conferences and investor events where his thought-provoking discussions challenge conventional wisdom while avoiding the curse of complexity and plague of sameness. After graduating from Western Kentucky University with Honors in History, he obtained his Law Degree and Master’s Degree in Business from the University of Denver. He resides in Belmar, New Jersey.