LongevityFP Information

Nearly half of couples who reach 65 will see one spouse live to 90 or beyond. Most retirement plans were never built for that. LongevityFP is a financial company built around solving one problem: retirement income that lasts as long as life does. A typical retired couple could hold four layers of income: Social Security, an annuity, a tax-deferred account, and a taxable account. Those layers are not interchangeable. Social Security and annuities pay for life, but they pay in fixed dollars, and inflation steadily erodes what those dollars buy. Investment accounts can keep pace with markets, but they deplete with every withdrawal. One set erodes. The other runs out. What happens when both are true at once is the planning problem every advisor eventually faces. That problem has a name. Longevity risk is the possibility of outliving your financial resources, and it isn't about how long the average person lives. It's about the uncertainty of how long you will live. The industry built strong tools for the first stretch of retirement. Portfolios, 401(k)s, IRAs, and annuities all do real work between 65 and 80, when savings are still growing and there's room to adjust. The harder years come after. Past 80, balances draw down, healthcare costs accelerate, and two decades of compounding inflation reduce what every remaining dollar buys. It is the fastest-growing phase of retirement and the least served. This is Longevity Finance. LongevityFP exists to close the longevity risk gap. We're the leading authority on late-retirement income security, working alongside financial advisors to build solutions for the years current planning tools weren't designed to reach, so a longer life can come with the financial certainty to match. Follow us for the research, perspectives, and solutions shaping the future of retirement income.