Retirement Planning Blog

Retirement planning is rarely perfect. Life throws curveballs—health issues, market downturns, career changes—and even the most diligent savers can stumble along the way. If you’ve made financial missteps or feel unprepared as you approach retirement, you’re not alone.

But here’s the good news: it’s not too late to make course corrections.

In 2025, there are still actionable strategies that can help you recover from common retirement mistakes. Whether you’re already retired or just a few years out, these planning moves can help secure your financial future and restore peace of mind.

Let’s explore three of the most common retirement mistakes—and how you can still fix them this year. Read More

When it comes to your retirement nest egg, one simple truth stands above the rest: if you can’t afford to lose it, you shouldn’t risk it. That’s where the power of zero comes in—a principle that prioritizes safety, predictability, and peace of mind in retirement.

Let’s explore why protecting your money is often more powerful than chasing higher returns, especially when you’re nearing or already in retirement.

Understanding the Power of Zero

In financial planning, the power of zero refers to having zero losses during down markets. It may sound modest compared to flashy gains, but avoiding market losses—especially during critical retirement years—can dramatically improve long-term outcomes. Read More

For many retirees, there’s a silent fear that often goes unspoken—but it’s very real:

What happens if I outlive my savings?

With Americans living longer than ever, the risk of running out of money in retirement is no longer a rare possibility. It’s a growing concern known as longevity risk—and it can impact your quality of life, your independence, and even your ability to care for loved ones.

The good news? There are proactive strategies you can take today to guarantee income for life and build a retirement safety net that doesn’t run dry. Let’s explore how to protect yourself.

The Reality of Outliving Your Savings

A recent report from the Employee Benefit Research Institute (EBRI) found that nearly 40% of retirees risk depleting their savings during retirement, especially if they live into their 90s. With longer life expectancies, it’s not uncommon for retirement to last 25 to 30 years—or more.

Unfortunately, many retirement plans are built with shorter timeframes in mind. Market volatility, unexpected medical costs, inflation, and even helping adult children can erode what once looked like “enough” savings. Read More

For many Americans, retirement planning hasn’t gone exactly according to plan. Life happens. Markets crash. Jobs are lost. Divorce, illness, or other unexpected events can throw your savings strategy off course.

If you’re in your 60s and feeling behind, know this: you are not alone—and it’s not too late to rebuild.

One powerful strategy for creating stable, guaranteed income in your later years is through an annuity. While some think annuities are only for those who planned early, the truth is they can be a lifesaver for those making up ground or seeking to restore peace of mind in retirement.

Let’s explore how a late start annuity can still secure the income you need and deserve. Read More

June is Annuity Awareness Month—a timely reminder that guaranteed income is not just a financial tool, but a source of security, especially for women entering retirement. If you’re in your 60s, approaching retirement, and wondering if you’ve saved enough or how to turn your savings into sustainable income, you’re not alone.

Many women describe the feeling as driving through fog. The paychecks are stopping. The investment statements keep arriving. But there’s little clarity on what it all means or how it fits together.

Annuities may be the missing piece to help turn uncertainty into confidence.

The Problem: Unanswered Questions and Unaddressed Fears

Many accomplished women worked hard, saved responsibly, and even hired a financial advisor. Yet they’re still unsure about the future. Read More