The Income Gap: The Retirement Problem Most People Don't Know They Have
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The Income Gap: The Retirement Problem Most People Don't Know They Have
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You probably know what your 401(k), IRA and home are worth. But do you know your retirement income gap? It's the difference between what your lifestyle costs and the income you can count on every month, and for most Americans it's a gap that has to be planned for.
In this episode of the show, host Dave Hall explains why Social Security was only designed to cover about 40% of your retirement lifestyle, and how pensions, annuities, bond ladders and your portfolio can help close the difference.
In this episode:
• Why a $1 million IRA isn't $1 million in spending money once taxes come out
• How capital gains, IRMAA and taxes on Social Security affect your income
• What a 20% market drop does to your withdrawal rate
• Social Security at 62 vs. 70: a 76% difference, and the $111,000 the average person loses by claiming at the wrong time
• Pension payout choices and protecting a spouse
• Why your income gap shrinks once Social Security or a pension starts
• The 75–90% guaranteed income guideline
• Why you shouldn't be afraid to turn savings into income
• How much liquidity you may need in retirement
Get Dave's books, webinars and free retirement planning resources at retirementriskadvisors.com.
Investment advisory services offered through AlphaStar Capital Management, LLC, an SEC registered investment advisor. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Retirement Risk Advisors, and AlphaStar Capital Management is not involved with the offer, recommendation, sale or management of commission-based fixed insurance products. AlphaStar Capital Management and Retirement Risk Advisors are separate and independent entities. This is for informational purposes only and is not intended as legal, tax or investment advice or a recommendation of any particular security, investment product or investment strategy.
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