Retirement is a time to enjoy the fruits of your labor—but making the right decisions beforehand is critical to achieving a financially secure and stress-free future. Among the many moving parts of retirement planning, three key areas stand out as pillars of long-term stability: Social Security, Medicare, and Life Insurance.
These components are closely linked to your quality of life in retirement. If you make smart choices in each of these areas, you’ll be far better positioned to protect your health, wealth, and loved ones. This article explores these three core decisions and offers guidance to help you make confident, informed choices for your retirement years.
As you approach or settle into retirement, one of the most important financial questions you’ll face is: What happens to the assets I’ve worked a lifetime to build? That’s where estate planning comes in. And in 2025, with proposed updates to the federal tax code, it’s more relevant than ever. President Trump’s new tax proposal could significantly impact how retirees and families plan to transfer wealth. If you’re wondering what the Trump estate tax plan 2025 means for your estate, this guide breaks it all down. Read More
One of the most pressing questions retirees face is: How long will my money last? Whether you’re approaching retirement or already in it, this concern isn’t just about numbers—it’s about security, peace of mind, and living life on your terms. The good news is, with careful planning and smart strategies, you can create a retirement income that lasts as long as you do.
At SafeMoney.com, we help everyday people gain clarity around retirement finances. Let’s walk through what affects how long your money will last, how to calculate it, and most importantly—how to make it last.
Understanding the Retirement Longevity Dilemma
The biggest challenge in retirement planning is longevity risk—the risk of outliving your money. According to the Social Security Administration, a 65-year-old man today can expect to live, on average, to age 84. For a woman, it’s 87. But one out of every three retirees will live past 90, and one out of seven will live past 95. Read More
An Interview with Steven Suib, RICP® — Protecting Retirement Income with Purpose
Brent Meyer, Founder of SafeMoney.com, sits down with Steven Suib, RICP®, founder of Preservation Wealth Management, to discuss how he helps pre-retirees and retirees navigate today’s complex financial landscape. With decades of experience, a fiduciary standard of care, and a results-driven income planning approach, Steven shares his mission to protect the retirement income his clients rely on—while empowering them to enjoy the lifestyle they’ve worked so hard to build.
Brent Meyer: Steven, thanks for joining us. Let’s start with your overall approach. What kind of clients do you typically work with, and how do you help them?
Steven Suib: Thanks, Brent—it’s great to be here. I work with individuals and couples who are either already retired or approaching retirement. Most of them are looking to reduce market exposure, but they still want their money to grow in a way that supports their long-term goals. That’s where our approach comes in—we combine safe money strategies with market-based solutions to help create dependable income streams that are designed to last a lifetime and grow with inflation. Read More
Planning for retirement can be overwhelming. Between social security decisions, healthcare concerns, and figuring out how to generate reliable income, it’s no wonder many Americans feel underprepared. One financial tool that often gets overlooked—or misunderstood—is the annuity. If you’re seeking annuity education, this comprehensive guide will help you cut through the confusion and determine whether an annuity might play a role in your retirement strategy.
What Is an Annuity?
At its core, an annuity is a financial product designed to provide a stream of income, often during retirement. You purchase an annuity contract—usually from an insurance company—either by making a lump-sum payment or a series of payments. In return, the insurer promises to pay you income either immediately or at a future date. Read More
In today’s uncertain financial environment, many people rely on 401(k)s, IRAs, and stock market investments to build wealth. However, these traditional methods come with risks—market volatility, government restrictions, and unexpected tax liabilities.
What if there was a way to grow wealth predictably, access your money anytime, and bypass banks for major purchases—all while protecting your financial future? That’s where the Bank On Yourself concept comes in. Read More
Financial education is the foundation of a secure financial future. It involves learning about essential financial principles, such as saving, investing, retirement planning, and risk management. Unfortunately, many Americans lack basic financial knowledge, leaving them vulnerable to poor financial decisions that can impact their long-term well-being.
With increasing economic uncertainty and market volatility, financial education is more critical than ever. It empowers individuals to make informed decisions, avoid financial pitfalls, and build lasting wealth. At SafeMoney.com, we believe in providing consumers with the knowledge they need to make sound financial choices—especially when it comes to retirement planning, annuities, and wealth preservation. Read More
Holistic financial planning is a comprehensive and evidence-based approach to managing your finances, ensuring that all aspects of your financial life work in harmony. Unlike traditional financial planning, which often focuses on isolated goals like investment growth or retirement savings, holistic financial planning takes a big-picture view of your financial well-being. It integrates everything from income management and wealth accumulation to tax strategies, estate planning, and even emotional financial well-being.
By considering every aspect of your financial life, this approach helps individuals and families build sustainable wealth while preparing for life’s uncertainties. Read More
What if money had a life cycle? What if, instead of viewing it as just numbers in a bank account, we understood it as a journey with defined stages?
For most people, financial planning isn’t just about earning more—it’s about knowing what to do with that money at different phases of life.
Think about it. The way you handle money in your 30s should look completely different from how you handle it in your 60s. A young professional is focused on growth and accumulation, while someone nearing retirement is more concerned with protecting what they’ve built. And once you retire? The priority shifts to making that money last. Read More
A record number of Americans now have $1 million or more saved in their 401(k)s—a milestone many dream of when planning for retirement. But despite this achievement, most retirees face a critical challenge: How do you turn your 401(k) into a reliable income stream for life?
Saving for retirement is only half the equation—making your savings last is just as crucial. Many retirees unknowingly expose themselves to risks like market downturns, inflation, and outliving their money. That’s where a Fixed Index Annuity (FIA) can help, providing a guaranteed lifetime income stream and protection against volatility. Read More
Start a Conversation About Your Retirement What-Ifs
Start a Conversation About Your Retirement What-Ifs
Already working with someone or thinking about getting help? Ask us about what is on your mind. Learn More
What Independent Guidance Does for You
What Independent Guidance
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Stories from Others Just Like You
Stories from Others
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Among many other topics, learn how you can make your money last for as long as you need it, can protect your wealth against current and evolving risks, can maximize your income, and can stay retired comfortably.
