Many retirement income setbacks come down to a handful of avoidable mistakes — and the costliest ones are often permanent.
This guide highlights the most common pitfalls and how to plan around them.
Claiming Social Security without a strategy
Why claiming on autopilot can leave lifetime benefits on the table.
Overspending in the early years
How the 'go-go' years can quietly drain a plan.
Ignoring taxes and RMDs
How a lack of tax planning can mean paying more than necessary.
Taking too much (or too little) market risk
The dangers at both extremes of the risk spectrum.
Not having a written income plan
Why a plan on paper beats decisions made one at a time.
This guide is for general educational purposes only and is not financial, tax, or legal advice. Tim Hartle is an independent insurance professional. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured. Rules and product features vary by situation and by state. Please consult a qualified advisor about your own circumstances.