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Longevity Risk

The defining retirement risk of the 21st century is longevity. It's NOT inflation. It's not stock market losses or even higher taxes, since in most cases the negative effects of those 3 financial risks are lessened... if you do not live very long. A healthy 65 year old couple has a 45% chance that one of them will live to at LEAST age 90 and have an 18% chance of ONE hitting age 95 or older. Yes, living longer is your biggest risk for a couple of reasons. Firstly, the longer you live, the more years that you will draw an income from your savings while keeping you fully exposed to the 3 risks of potential investment losses, higher taxes and inflation. And the longer we live, the more likely we are going to have big long-term care expenses that Medicare does NOT cover. A financial planner's job is to increase income independence, preserve financial dignity and add more peace of mind for our clients for their late 80's, 90's and even beyond. Is your financial advisor addressing your longevity risk? For more information, please visit: http://www.SmartFinancialPlanning.com