https://lifetimeincomeadvisory.com/commentary daily 0.75 2016-10-10 https://lifetimeincomeadvisory.com/commentary/2016/10/10/for-your-retirement-planning-count-on-living-until-age-95 monthly 0.5 2016-10-10 https://lifetimeincomeadvisory.com/commentary/2016/7/24/understanding-longevity monthly 0.5 2016-07-25 https://lifetimeincomeadvisory.com/commentary/2016/7/24/financial-literacy monthly 0.5 2016-07-25 https://lifetimeincomeadvisory.com/commentary/2016/6/24/the-6-worst-mistakes-people-make-before-retirement monthly 0.5 2016-06-24 https://lifetimeincomeadvisory.com/commentary/2016/6/24/would-you-bet-your-life-on-a-coin-flip monthly 0.5 2016-07-31 https://lifetimeincomeadvisory.com/commentary/2016/6/21/savings-goals monthly 0.5 2016-06-24 https://lifetimeincomeadvisory.com/commentary/category/Savings monthly 0.5 https://lifetimeincomeadvisory.com/commentary/tag/Lifetime monthly 0.5 https://lifetimeincomeadvisory.com/commentary/tag/Savings monthly 0.5 https://lifetimeincomeadvisory.com/commentary/tag/Investing monthly 0.5 https://lifetimeincomeadvisory.com/commentary/tag/Longevity monthly 0.5 https://lifetimeincomeadvisory.com/commentary/tag/Planning monthly 0.5 https://lifetimeincomeadvisory.com/commentary/tag/Retirement monthly 0.5 https://lifetimeincomeadvisory.com/commentary/tag/Financial+Literacy monthly 0.5 https://lifetimeincomeadvisory.com/new-gallery daily 0.75 2016-06-24 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466791369386-9SALHQ0ALZWS7OZWOAVZ/Well-being+graphic_Box1.jpg Four Actions - Understand your day-to-day finances How much do you make? What are your regular monthly expenses (housing, food, utilities, car, etc.)? What are your average expenses for other things (entertainment, vacations, gifts, etc? Consider using a personal finance program to track your income and spending. Mint is free and secure, but it does have advertising. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466791369386-9SALHQ0ALZWS7OZWOAVZ/Well-being+graphic_Box1.jpg Four Actions - Understand your day-to-day finances How much do you make? What are your regular monthly expenses (housing, food, utilities, car, etc.)? What are your average expenses for other things (entertainment, vacations, gifts, etc? Consider using a personal finance program to track your income and spending. Mint is free and secure, but it does have advertising. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466789347942-7BMRECNH2AED1NCJTBVY/Well-being+graphic_Box1.jpg Four Actions https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466790405256-EQM2QI28IMTIVC4UPWIR/Well-being+graphic_Box1.jpg Four Actions - Understand your day-to-day finances How much do you make? What are your regular monthly expenses (housing, food, utilities, car, etc.)? What are your average expenses for other things (entertainment, vacations, gifts, etc? Consider using a personal finance program to track your income and spending. Mint is free and secure, but it does have advertising. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466791305903-L50N2Z7EWLBM9B4F14CI/Well-being+graphic_Box1.jpg Four Actions - Understand your day-to-day finances How much do you make? What are your regular monthly expenses (housing, food, utilities, car, etc.)? What are your average expenses for other things (entertainment, vacations, gifts, etc? Consider using a personal finance program to track your income and spending. Mint is free and secure, but it does have advertising. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466790578952-45AZ5W8K4ZTTALZMQ4YC/Well-being+graphic_Box2.jpg Four Actions - Make a budget Start with your fixed expenses and needs. Pay yourself first! What else would you like to do? Put aside enough money to cover these expenses -- when you have accumulated enough, give yourself permission to enjoy yourself. Use credit wisely -- for long-term investments, not for day-to-day expenses. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466790646493-KF08AQW2UCY48D2SLUET/Well-being+graphic_Box3.jpg Four Actions - Consider the unexpected Put some money aside for repairs, maintenance, health care and similar expenses you can expect to incur. Consider life and disability insurance to protect your capacity to earn money. Have health and property insurance to protect your assets against loss from unlikely, but potentially catastrophic expenses https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466790709787-QWLRT5YYWUXRJCHZEB5S/Well-being+graphic_Box4.jpg Four Actions - Set your long-term goals It's never too soon to start thinking about the long-term. Go for the big picture -- children's education, family, retirement Use the Actuary's Longevity Illustrator to understand how long you might have to plan for -- it is probably longer than you think! Balance how much you can save and how long you'll be able to work with your desired lifestyle in retirement. https://lifetimeincomeadvisory.com/lifetimeincome daily 0.75 2016-07-01 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467413279668-C5STLSU6D3M9RH0Q3E17/WorkingLifetime.png LifetimeIncome - Working Lifetime While you are working, you pay Social Security Taxes (a form of retirement saving), and you are saving additional amounts (hopefully!) to secure your financial future. The remainder of your income provides for your lifestyle and living expenses, including income taxes. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467413279668-C5STLSU6D3M9RH0Q3E17/WorkingLifetime.png LifetimeIncome - Working Lifetime While you are working, you pay Social Security Taxes (a form of retirement saving), and you are saving additional amounts (hopefully!) to secure your financial future. The remainder of your income provides for your lifestyle and living expenses, including income taxes. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467413293175-AL8EMD0O4VDHEWGII30J/RetiredLifeTime.png LifetimeIncome - Retired Lifetime In retirement, your sources of income include Social Security, an employer pension (if you are lucky enough to have one), assets provided by employer contributions to a 401(k) or 403(b) plan, and your own assets and future savings. Although not shown on the chart, you may also have part-time work to supplement your retirement income. This could (and should!) be factored into the analysis. https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467413304536-64VOKXSY282MFH9YJHFR/TotalLifeTime.png LifetimeIncome - Balancing The two variables that are most within your control are how much you save when you are working, and when you expect to retire. Saving has two beneficial effects: First, it means that you're adjusting your lifestyle and living expenses to a lower level of income. Second, it provides more money to spend during your retired lifetime. Likewise a later retirement date has two beneficial effects: First, it gives you more time to accumulate money for retirement. Second, it reduces the length of time over which you have to spread your retirement assets, making more money available each year. Being on track to meet your future financial goals starts with finding the balance between current and future lifestyle choices that's right for you. A good initial starting point is to aim for a level of post-retirement income that's consistent with your pre-retirement lifestyle and living expenses. https://lifetimeincomeadvisory.com/julien-clarke-montauk daily 0.75 2025-05-08 https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949681777-4Z2O93I7MYVB7WU8QQZQ/thumb.png Julien Clarke https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949661127-D7QPK3E57URKCNIGXR30/1.jpg Julien Clarke https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949669076-Z8D81V6K8AMU99VS6YY7/2.jpeg Julien Clarke https://lifetimeincomeadvisory.com/heinrich-harrison-montauk daily 0.75 2025-05-08 https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949768518-7US759046XR59QWAF8NB/1.jpg Heinrich Harrison https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949768518-7US759046XR59QWAF8NB/1.jpg Heinrich Harrison https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949782431-974GWDAP4ZLPU8LGQVU6/2.jpg Heinrich Harrison https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949798200-4YUM0YW59OSFFCNJ7NFG/3.jpg Heinrich Harrison https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456949812361-WX1UJUQXJG79ABNHY5IQ/4.jpg Heinrich Harrison https://lifetimeincomeadvisory.com/jonathan-miller-montauk daily 0.75 2025-05-08 https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950111235-8CM0LIL0K96OK07GMZMM/1.jpg Jonathan Miller https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950111235-8CM0LIL0K96OK07GMZMM/1.jpg Jonathan Miller https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950117845-254MWK9VVWTGFZG8FSDO/2.jpg Jonathan Miller https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950126499-5ANZLJFVZ06QBEGJ32JT/3.jpg Jonathan Miller https://lifetimeincomeadvisory.com/charlotte-stowe-montauk daily 0.75 2025-05-08 https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950758632-NAZO8MNX0YD4IEMV9UF6/1.jpg Charlotte Stowe https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950758632-NAZO8MNX0YD4IEMV9UF6/1.jpg Charlotte Stowe https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950766954-UI4WV1IUKWOCNOL9ZF16/2.jpg Charlotte Stowe https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950777774-TL5RQAKEN8OQB85HQ3Y7/3.jpg Charlotte Stowe https://lifetimeincomeadvisory.com/cid-tolkien-montauk daily 0.75 2025-05-08 https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950815936-S4V3GZ4BXDTTYKUU8TLJ/1.jpg Cid Tolkien https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950815936-S4V3GZ4BXDTTYKUU8TLJ/1.jpg Cid Tolkien https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950824357-OLK5CEA7PL07K3RKJAD6/2.jpg Cid Tolkien https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950832626-MM68XA2G571CW0ESQ2N7/3.jpg Cid Tolkien https://lifetimeincomeadvisory.com/candice-whitman-montauk daily 0.75 2025-05-08 https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950982714-2IXOYNN1M2KWJZKT0KF1/1.jpg Candice Whitman https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456950982714-2IXOYNN1M2KWJZKT0KF1/1.jpg Candice Whitman https://images.squarespace-cdn.com/content/v1/56d73dbac2ea51af9150258f/1456951004114-4G2SOWUQL5Q42L5GELWK/2.jpg Candice Whitman https://lifetimeincomeadvisory.com/about daily 0.75 2019-07-06 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1464988346337-4AZHCGZJDYS8N3O0VVZ4/image-asset.jpeg About Us https://lifetimeincomeadvisory.com/financial-well-being daily 0.75 2025-01-10 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1466459701691-62QKXJI5PYTH8T7K1QPT/image-asset.jpeg What is financial well-being https://lifetimeincomeadvisory.com/contact daily 0.75 2024-09-19 https://lifetimeincomeadvisory.com/welcome daily 1.0 2016-06-08 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1465434774404-H5U3I3HWQ2A6RUZ20070/waterfallrainbow.jpeg Welcome https://lifetimeincomeadvisory.com/quiz daily 0.75 2016-06-13 https://lifetimeincomeadvisory.com/actions daily 0.75 2016-07-02 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467473507464-TSLC5QC95CXCY8WH0ASF/Well-being+graphic_Box1.jpg Actions https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467474006172-Y98CZ5TB4D3YMKHJU6V8/Well-being+graphic_Box2.jpg Actions https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467474210038-YPL3KPFA17I0FJBCFAUR/Well-being+graphic_Box3.jpg Actions https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467474438453-ZXU32ER0YGJ4TJZQJPW9/Well-being+graphic_Box4.jpg Actions https://lifetimeincomeadvisory.com/what-is-lifetime-income daily 0.75 2025-07-08 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467411428803-SF8IJTQ9M4AEWRIYP8HJ/WorkingLifetime.png What is Lifetime Income? https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467432610289-MIN0XMIPTWGKORWU5X09/RetiredLifeTime.png What is Lifetime Income? https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1467432746227-8WQUELFVZZ75CNCJNK40/TotalLifeTime.png What is Lifetime Income? https://lifetimeincomeadvisory.com/estimator-setup daily 0.75 2016-07-08 https://lifetimeincomeadvisory.com/estimator daily 0.75 2025-11-29 https://lifetimeincomeadvisory.com/lia-scripts daily 0.75 2016-07-17 https://lifetimeincomeadvisory.com/math-for-life daily 0.75 2022-10-30 https://lifetimeincomeadvisory.com/services daily 0.75 2025-01-10 https://lifetimeincomeadvisory.com/setting-goals-and-planning daily 0.75 2020-12-27 https://lifetimeincomeadvisory.com/read-me daily 0.75 2016-08-10 https://images.squarespace-cdn.com/content/v1/5052176b84aeb45fa5cfcc83/1377096507573-1MU42OOOOGIM9URAJ9D9/515c4225e4b0afec1218b21e.png Read Me https://images.squarespace-cdn.com/content/v1/5052176b84aeb45fa5cfcc83/1377096775448-0L7B4Q54H1VLOGFF1DPR/synthetica+%2820130821%29.jpg Read Me https://images.squarespace-cdn.com/content/v1/5052176b84aeb45fa5cfcc83/1377097104716-HDI53XJVV0DKZ24A3T68/51e453dee4b06abd3403c22e.png Read Me https://lifetimeincomeadvisory.com/ranges-and-averages daily 0.75 2020-01-05 https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1578258256763-LODPBNPGFJ4YDXKDSHU4/Adults+by+Score+Range.png Ranges and Averages https://images.squarespace-cdn.com/content/v1/5751d8fe40261d920b30794a/1578254947692-8MUT3KPFAP6546BJZ0E9/Well-being+Score+Ranges.jpg Ranges and Averages Source: Consumer Financial Protection Bureau, Financial Well-being by State, November 2019