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Will you need long-term care in retirement? For 70% of people over 65, the answer is yes. The median cost for a nursing home now exceeds $100,000 per year, and Medicare doesn't cover it. This is Long-Term Care Risk, and it's the single biggest threat that can bankrupt a solid retirement plan. Our new article breaks down this complex risk and details the four primary strategies to fund it: self-funding, traditional insurance, hybrid life/LTC policies, and government programs. Learn how to build a disaster recovery plan for your finances and protect your family from this catastrophic expense.

Did you budget $315,000 for healthcare in retirement? That's what a 65-year-old couple may need, and it doesn't even include long-term care. Health Expense Risk is one of the biggest threats to your financial security, driven by high premiums, co-pays, and services Medicare doesn't cover (like dental). Our new article deconstructs this complex risk and provides a toolkit of four powerful solutions: mastering your Medicare choices, leveraging the triple-tax-advantaged power of an HSA, planning for the pre-65 gap, and managing your income to control premium surcharges. Protect your portfolio from the single most unpredictable retirement expense.

Your withdrawal rate is the throttle on your retirement engine. Pushing it too hard, especially in the first few years, can cause your financial plan to fail. This is Excess Withdrawal Risk, a self-inflicted wound that often results from a poor market sequence. A high withdrawal rate in a down market forces you to sell more shares at low prices, permanently damaging your portfolio’s ability to recover. In our new article, we explain how this risk works and detail four powerful solutions, including dynamic “guardrail” spending rules and a “bucket strategy” to protect near-term income. Learn how to control the throttle and ensure your assets last a lifetime.

Inflation is the silent thief of retirement, quietly eroding your purchasing power year after year. A 3% inflation rate can cut the value of your savings in half in just 24 years. For retirees, whose personal inflation rate is often driven higher by rising healthcare costs, the threat is even greater. A fixed pension that feels secure at 65 can leave you struggling by 85. Our latest article explores why inflation is a critical challenge in any financial plan and outlines four powerful solutions to combat it. Learn how to use equities as your primary growth engine, prioritize inflation-adjusted income like Social Security and TIPS, and build a resilient plan that protects your lifestyle from this corrosive force.

Are you planning for a 20-year retirement marathon or a 40-year ultramarathon? Longevity risk—the danger of outliving your money—is the foundational risk that makes retirement planning so challenging. For a healthy 65-year-old couple, there’s a high probability one partner will see their 90th birthday. In our latest article, we deconstruct this foundational challenge and outline four key strategies to build a resilient financial plan, including delaying Social Security, maintaining equity exposure, using "longevity insurance," and implementing flexible spending rules. Stop planning for the average and start building a plan durable enough to last a lifetime.