Retirement Income Blind Spots (Ep. 39)

Retirement Income Blind Spots (Ep. 39)

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Having a $2–3 million portfolio doesn’t guarantee a comfortable retirement. The real question is whether that lump sum can become reliable monthly income that lasts as long as you do.

In the fourth installment of the Blind Spot Series, Mike and Terry Wheeler look at the gap between what retirees have and what they’ll actually need. Terry explains why the strategies that built your nest egg can quietly drain it in retirement, and how to build a portfolio designed for cash flow, inflation, and longevity.

In this episode:

  • Securing a base level of income you can’t outlive, through Social Security, pensions, and private pensions
  • Why $15,000 a month today could mean $30,000 a month 15 years from now
  • Planning for the “go-go” and “slow-go” years of retirement
  • Why the classic 60/40 portfolio can put your income at risk
  • How defined outcome investing adds defense to your portfolio
  • Laddered bonds versus bond funds when interest rates rise
  • How proactive tax planning can close an income gap without adding risk
  • Longevity analysis and why your personal life expectancy should shape your Social Security, pension, and insurance decisions
  • The difference between a salesperson and a true financial advocate

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