What Issues Should I Consider if I'm Concerned About Outliving My Assets?

Longevity risk, the chance your money runs out before you do, is one of the harder retirement risks to plan for because nobody knows exactly how long they'll need their savings to last. That uncertainty is exactly why it deserves a plan rather than a guess.

The answer usually isn't a single fix. It's some combination of a sustainable withdrawal rate, a portfolio built for a multi-decade time horizon, and, for some people, more guaranteed income to cover essential expenses.