The 3 Big Risks Facing Retirees
Retirement looks very different today. Modern retirees face challenges that previous generations never had to consider. Understanding these risks—and planning for them proactively—can make the difference between financial stress and lifelong confidence.
1. LONGEVITY RISK: OUTLIVING YOUR MONEY
People are living longer than ever, and retirement often spans 25–35 years or more.
- 50% of 65-year-old couples will have at least one partner live to age 93.
- 25% will see age 97.
- “The greatest risk to a retiree today is not dying too soon, but living too long.” — Moshe Milevsky
Why it matters: The longer you live, the more inflation, taxes, and market volatility can erode your savings.
How we help: We design strategies that create predictable income streams built to last a lifetime.
2. INFLATION RISK: THE SILENT THIEF
Inflation quietly reduces purchasing power—often faster than retirees expect.
- $100,000 today may be worth just $60,000 in 20 years at 2% inflation.
- Healthcare, essentials, and lifestyle costs continue rising.
- “Inflation is the silent thief that erodes retirement savings.” — Kiplinger
How we help: We use inflation-resistant planning tools, protected income strategies, and low-risk accumulation options to keep your purchasing power intact.
3. TAX RISK: PAYING MORE THAN NECESSARY
Taxes don’t stop in retirement—they often get worse.
- Up to 85% of Social Security benefits can be taxable.
- IRMAA surcharges can add thousands to Medicare premiums.
- “It’s not what you make, but what you keep after taxes that determines your retirement lifestyle.” — Ed Slott
How we help: Through Roth conversions, tax-free savings vehicles, and withdrawal sequencing, we help retirees minimize lifetime taxation.
Protect your retirement from the risks you can’t see.
Let’s create a plan built to withstand longevity, inflation, and taxes—no matter how the world changes.