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Wealth Preservation · Authority Guide

Longevity-Adjusted Preservation

Longer lifespans extend the preservation horizon. Plans built for age 85 fail at age 95.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Longer lifespans extend the preservation horizon. Plans built for age 85 fail at age 95.

  • Plan to age 100 for healthy non-smokers
  • LTC plan in place by age 60
  • Sequence-of-returns risk dominates

Key takeaways

  • Plan to age 100 for healthy non-smokers
  • LTC plan in place by age 60
  • Sequence-of-returns risk dominates
  • Annuity layer for longevity tail

Key strategies

  1. Strategy 1

    Plan to age 100 for healthy non-smokers

  2. Strategy 2

    LTC plan in place by age 60

  3. Strategy 3

    Sequence-of-returns risk dominates

  4. Strategy 4

    Annuity layer for longevity tail

Pro-tips checklist

  • Re-test plan against 95-year horizon
  • Consider longevity annuity by age 70

FAQ

Are annuities worth it?

Longevity annuities (deferred income, payable at 80–85) often are. Variable annuities rarely are.