Did you know that Social Security may only provide, on average, about 40% of the retirement income you need?*

Things to consider

As retirement nears, your focus will need to shift—from building wealth to preserving it, and generating a predictable lifetime income stream that will fund the retirement lifestyle you’ve always envisioned.


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Thoughtful income planning

By aligning guaranteed income sources to your essential needs, income from your investments could be targeted for your discretionary spending.

Person holding an umbrella

Know your retirement risks

Along with new opportunities, retirement brings new risks including longevity and inflation.

A checklist and a pen

Make smart benefit elections

Choosing the right Medicare and Social Security benefits will depend on a number of different factors.

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Protect your savings

According to the U.S. Department of Health and Human Services,** a person turning age 65 today has almost a 70% chance of needing some type of long-term care services in their lifetime, which are not covered by Medicare.

*"Retirement Ready.” February 2023.
**"Most Americans are Unprepared for Long-Term Care Costs, New Research Shows.” Forbes. August 2, 2022.

What to ask your Financial Advisor

  • What steps can I take to make sure I don’t run out of money in my retirement?
  • How much will I need to put aside to cover out-of-pocket healthcare expenses?
  • What are my best Social Security and Medicare election choices?
  • Given my circumstances, what is a realistic sustainable spending rate?





Talk with a Janney Financial Advisor

You don’t need to go it alone. Wherever you are on your wealth journey, we can build a tailored financial plan and make recommendations that are aligned with your best interest and unique needs, goals, and preferences. Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.

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