Once you stop working, a new set of risks takes center stage — and many of them can't be undone if they hit at the wrong time.
This cornerstone guide explains the major retirement risks and the strategies used to manage each one.
Longevity risk
The risk of outliving your money, and why it amplifies every other risk.
Market and sequence-of-returns risk
How losses early in retirement can do lasting damage.
Inflation risk
How rising costs erode purchasing power over a long retirement.
Healthcare and long-term care risk
Planning for one of the largest and least predictable expenses.
Building a resilient plan
Using guaranteed income and reserves to manage risk, subject to insurer claims-paying ability.
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.