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AML/Compliance Training

The Retirement Income Reality Check

Americans are living longer, but retirement risks are growing. New research from Colin Devine examines how longevity, healthcare costs, market volatility, and inflation can increase the risk of outliving retirement savings.

By the numbers:

  • 1 in 3 65-year-olds will live beyond age 90
  • 70% of people turning 65 are likely to need long-term care
  • A 4% withdrawal rate carries a 16% risk of portfolio depletion within 20 years following a market correction
  • Increasing withdrawals from 4% to 5% can roughly double the risk of running out of income

In this report, you'll learn:

  • How retirement income risks compound over time
  • Why healthcare and long-term care costs matter
  • The impact of withdrawal rates and market volatility
  • Strategies to help clients reduce the risk of outliving their assets

The bottom line:

Traditional retirement income assumptions may not fully reflect today’s realities. Financial professionals need strategies that address longevity, healthcare expenses, market downturns, and inflation while helping clients create sustainable lifetime income.

Download Research Report