@article{bibcite_146,
  author = {Agnieszka Konicz and John Mulvey},
  title = {Applying a stochastic financial planning system to an individual: Immediate or deferred life annuities?},
  year = {2013},
  journal = {The Journal of Retirement},
  volume = {1},
  number = {2},
  pages = {46{\textendash}60},
  publisher = {Institutional Investor Journals Umbrella},
}