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Retirement is just as much a leap of faith as any other significant life change. No matter how much you prepare, you will only really understand all the implications when you start your new life. That’s one reason we believe that the first requirement of a good retirement plan is that it needs to be flexible enough to efficiently encompass changes in your life as you adjust to your new situation.
How do we get to maximum flexibility? It starts with avoiding retirement risks. The more your plan is set up to accommodate predictable events or situations, the greater your ability to adjust to the unpredictable.
The Social Security Administration reports that the average life expectancy for a man reaching age 65 in 2023 is just over 84 years, and for a woman, it is almost 87 years. A twenty-year retirement is a norm now, and... ...
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