Despite changing the game in accumulation, ETFs matter less in decumulation says advisor

Wealth Professional
September 29, 2026.

Evan Riddell, Wealth Advisor at Richardson Wealth, says that the advantages of low-cost, broadly diversified ETFs have been hugely significant for advisors and their clients.

Riddell says he uses ETFs in many of his retired clients’ equity and fixed income allocations, especially to address the challenge of decumulation. Typically, an ETF will be a lower cost and more tax-efficient option than a mutual fund with the same strategy.

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