Will Your Money Last as Long as You Do?
When people think about retirement, they often picture travel, more time with family, and the freedom to finally do what they want. But there’s one big question that can keep retirees up at night:
“Will my money last as long as I do?”
That’s not just a casual worry. It’s what financial professionals call longevity risk, the chance of outliving your savings. And it’s one of the toughest challenges to solve in retirement planning.
Recently, David Blanchett, a leading retirement researcher, wrote an article titled Why Allocate to Lifetime Income?. His findings show why creating retirement income that lasts for life should be at the heart of every retirement plan.
Why Lifetime Income Matters
Here’s the key takeaway: at age 65, you could take $100,000 and turn it into about $7,000 a year, every year, for the rest of your life with a lifetime income annuity.
Now compare that with relying only on an investment portfolio. Blanchett’s analysis found that portfolios could only sustain the same level of income for a limited time:
At a 4% return, it would last about 19 years.
At 5.5%, about 22 years.
At 7%, about 29 years.
Once that period ends, the income stops. The annuity keeps paying for life.
The Role of Market Volatility
Markets don’t rise evenly year after year; volatility matters when your savings are your paycheck.
In a simulation of 1,000 market scenarios, annuities had a 100% probability of delivering the target $7,000 annual income, while portfolios struggled, only 27% at a 4% return and 54% at 5.5% if retirement lasted 30 years.
This makes a strong case for incorporating guaranteed lifetime income into an overall income plan.
Building a Retirement Income Plan
The lesson is clear: retirees need more than just investments. They need a strategy that blends lifetime income sources with portfolio growth to create a reliable cash flow throughout retirement.
That’s what income planning is all about, turning savings into a steady, sustainable stream of income designed to last as long as you do.
How I Can Help
At GAMSG Financial Advisors, I help clients design income plans that balance security with growth. To support you, I am offering:
✅ A Retirement Income Needs Analysis to determine how much income you may need.
✅ A Complimentary Portfolio Review to ensure your investments support your income goals.
You’ve worked hard to save, now let’s make sure your money works just as hard for you in retirement.
Let’s Talk
📅 Book a consultation here: Schedule Your Meeting
📧 Email: kwebb@gamsg.biz
📞 Phone: 404-769-1401
🌐 Website: www.gamsg.com
Your retirement should be about enjoying life, not worrying about income. Let’s create a plan that gives you the confidence and peace of mind you deserve.
Kevin C. Webb
Financial Advisor | GAMSG Financial Advisors
Disclaimer
Investment advisory services are offered through GAMSG Financial Advisors, a registered investment advisor. Insurance products are offered separately through GAMSG Insurance Brokers. This material is for informational purposes only and should not be construed as specific investment or insurance advice. Past performance does not guarantee future results. All guarantees associated with annuity contracts are subject to the claims-paying ability of the issuing insurance company. Annuities may be suitable for some individuals depending on their goals, time horizon, and overall financial situation, but they are not appropriate for everyone. Clients should carefully consider their unique needs and consult with a qualified financial professional before making decisions regarding annuities or other retirement income strategies.