4 Questions to Help You Retire Smart

Retirement should be something you enjoy—not something you second-guess.

One of the biggest fears we hear from pre-retirees is this:
“What if I retire… and then realize I can’t afford to stay retired?”

No one wants tounretire. That’s why having the rightretirement strategy, built to handle inflation, market volatility, and longevity, is so important.

To help you think through your own retirement planning, here arefour key questionswe walk through with clients every day.

Question 1: Have You Built a Retirement Budget?

Your retirement budget will look very different from your working years. Some expenses go away, but new ones often show up.

Common changes we see include:

• No more commuting to work

• No more buying work clothes

• Fewer lunches out during the workweek

• More time to travel

• More time for hobbies and activities you enjoy

A realistic retirement budget is the foundation of every successful retirement income plan. Without it, it’s impossible to know how much income you truly need—or whether your current strategy will support the lifestyle you want.

Question 2: Have You Reviewed Your Social Security and Guaranteed Income Sources?

Once you retire and your paycheck stops, income planning becomes everything.

Ask yourself:

• How much will Social Security provide each month?

• Do you have other guaranteed income sources?

• How does that income compare to your retirement budget?

• What’s left over at the end of the month—if anything?

For many people, Social Security alone won’t be enough. That’s why understandingguaranteed income—and how it fits into your retirement income strategy—is critical before you retire, not after.

Question 3: What Is Your Plan for Inflation?

Let’s be honest—inflation isn’t going away.

We all wish it would, but retirement planning can’t be based on wishful thinking. Even modest inflation can significantly erode your purchasing power over a 20–30 year retirement.

Without a strategy to address rising costs, inflation can quietly force retirees to:

• Cut back on lifestyle

• Spend down assets too quickly

• Or worst of all, go back to work

A smart retirement strategy accounts for inflation from the very beginning.

Question 4: What Other Sources of Guaranteed Income Do You Have?

Forty years ago, many retirees had pensions. Today, most don’t.

The average Social Security benefit is roughly$2,000 per month, and for most households, that simply doesn’t cover basic living expenses—especially if you live into your 80s or 90s.

This is where tools like:

• Fixed annuities

• Fixed index annuities

• Lifetime annuities

• Immediate annuities
  come into play.

These retirement annuity strategies can help createlifetime incomeyou can’t outlive, providing stability and peace of mind no matter what the markets do.

Feeling Unsure? That’s Completely Normal

If any of these questions made you pause or feel uncertain, that’s okay. In fact, it’s very common.

That’s exactly why we help people every day build a clear, confident retirement plan—so they can retire smart, not stressed.

Secure Your Retirement with the Right Income Plan

You’ve spent decades saving for retirement. Unfortunately, most people are never shownhow to turn savings into income.

The biggest fear we hear?
Living too long and running out of money.

That’s where we come in.

We specialize inretirement income planning for the middle class. Unlike many financial advisors who require $500,000 or more to get started, we focus on practical, guaranteed strategies that work for real families.

If you’re looking for asafe, guaranteed retirement income plandesigned to last for you—and your spouse—for life, we’d love to help.

For a Worry-Free Retirement

Safe Harbor Retirement is a boutique, veteran-owned retirement agency focused on helping the middle class through ourFour-Step Retirement Process, which includes:

• Retirement Income Planning

• Insurance Solutions

• Medicare Guidance

• Long-Term Care Planning

• Creating Lifetime Income

We take pride in doing what’s right for our clients—always.

Schedule a Free, No-Pressure Consultation

📞Call:850-270-8625
🕗Hours:Monday–Saturday, 8 AM – 7 PM CST
🌐Visit:https://www.SafeHarborIP.com

Florida License #: G-281926
National Producer #: 21749645

Let’s make sure your retirement is something you look forward to—and never have to undo