Social Security timing, income floors, longevity, and sequence risk.
A $100,000 immediate annuity paid a 65-year-old man about $679 a month for life and a 65-year-old woman about $649, on a life-only basis, per the…
Retiring on $100,000 a year usually takes a mix, not a single pile. Subtract Social Security first: an average retired-worker benefit near $2,071 a month in…
There is no universal number. Build yours backward: add up what you actually spend in a year, subtract the guaranteed income from Social Security and any…
A retirement bucket strategy divides your savings by when you will spend it: one to three years of cash in bucket one, five to ten years…
The 4 percent rule is a research-based estimate of how much you can withdraw from your own portfolio each year without running out over a 30-year…
A retirement income floor is the layer of income that covers your essential expenses for life, built from sources that keep paying regardless of markets. Social…
Longevity risk is the chance you live longer than your money lasts. It is the one retirement risk that makes every other risk worse, because a…
A deferred annuity is an insurance contract you fund now and collect from later. Money grows tax-deferred during an accumulation phase that can last years or…
A QLAC is a qualified longevity annuity contract: a deferred income annuity bought inside an IRA or workplace plan with money the IRS then excludes from…
A SPIA, or single premium immediate annuity, is a contract where you pay an insurer one lump sum and it begins sending you fixed payments almost…
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