Retirement experts share actionable insights on retirement income, investment planning and Social Security to help shape decisions in the year ahead NEW YORK, Feb. 26, 2026 /PRNewswire/ -- J.P. Morgan Asset Management today released the 14th edition of its annual Guide to Retirement, delivering new insights into the ever changing dynamics of retirement planning. The 2026 edition explores timely topics, such as the impact of spending patterns, Social Security readiness, the role of alternatives in 401k plans ...

Core Insights - Most Americans believe a retirement savings goal of $1.26 million is necessary for a comfortable retirement, but having less than that does not necessarily lead to a stressful retirement life [1] Retirement Expenses - Retirees often reduce their spending over time, with couples aged 65 and older withdrawing only 2.1% annually from retirement assets of $100,000 or more, while unmarried retirees withdraw approximately 1.9% [4] - This withdrawal rate is significantly lower than the commonly referenced "4% rule" used by financial planners for retirement strategies [5] - Factors contributing to reduced spending include the elimination of commuting costs, work-related expenses, and the availability of senior discounts, along with Medicare coverage for many healthcare expenses after age 65 [5] Income Sources - A significant reason retirees withdraw less from their savings is the steady income provided by Social Security benefits, which covers about 94% of workers [6] - As of January 2026, the average monthly Social Security benefit is $2,071, providing a robust fixed income for retirees [6]

F&G Annuities & Life Joins Voya Financial's Annuity Platform, Expanding Access to Protected Growth Solutions [Accessibility Statement] Skip NavigationDistribution relationship introduces F&G's fixed indexed annuities (FIAs), registered index-linked annuities (RILAs) and multi-year guaranteed annuities (MYGAs) product suite to Voya's industry leading wealth solutions businessDES MOINES, Iowa and NEW YORK, Feb. 25, 2026 /PRNewswire/ -- F&G Annuities & Life, Inc. (NYSE: FG) ("F&G") and Voya Financial, Inc. (NY ...

For retirees who are on fixed withdrawal strategies or living off dividend income, these recurring costs matter more than a one-time tax break. A few hundred dollars a month in higher property taxes or insurance premiums can erode the spending power your retirement planner was meant to protect.Both states still rely heavily on other revenue sources to fund schools, roads, and public services, and without income tax revenue, this burden gets pushed onto property owners, consumers, and, in some cases, specifi ...

In its 2026 retirement survey, Clever found that 64% of retirees believe the U.S. is in a retirement crisis. The average retiree has $288,700 saved but claims you need $823,800 to retire comfortably. Why do so many see a retirement crisis? Also see five retirement shifts coming in 2026. Looming Social Security Insolvency The Social Security Administration currently forecasts insolvency by 2032. If that happens, retirees could face a 24% benefit cut across the board, as detailed by the Committee for a R ...

It's not an unusual thing to choose a retirement date at some point in your career. You may decide to leave the workforce at 60, 62, 65, or at another age that works for you. But one thing you may want to do is maintain some flexibility in the context of those plans -- and postpone them just a bit. Here are three signs that retiring one year later than planned could work to your benefit. Will AI create the world's first trillionaire? Our team just released a report on the one little-known company, called ...

Of course, none of these paths are optimal — especially since one of the key rules of thumb for retirement readiness is to be debt-free, according to Cruze.With limited resources, many boomers may be forced to take on debt, rely heavily on Social Security, cut back their lifestyles or even return to work to maintain their quality of life.Meanwhile, a 2025 Northwestern Mutual research study found that the average “magic number” Americans think they will need for retirement is $1.26 million. With average savi ...

If your retirement wish list includes white-sand beaches, warm weather and no state income tax, you’re probably thinking of Florida. But if you’re retiring with $5,000 or more per month, the Sunshine State might not give you the best return on your hard-earned savings. For retirees with bigger budgets, other states can offer stronger long-term value, better lifestyle perks and fewer financial trade-offs. Here’s why Florida may not be the smartest choice — and where your retirement dollars could stretch fu ...

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The Dow closed above 50,000 for the first time on Feb. 6, gaining over 1,200 points in a single day. The milestone reflects strong investor optimism — but for Americans nearing retirement, it also raises an important question: What should you do next? If you’re nearing retirement, here’s what this market milestone should mean for your financial planning. The Dow Reaches Record Highs: Why That Matters for Near-Retirees “As markets reach new highs, advisors and their clients often take the time to assess ...