I read an article recently in AARP that I thought might interest you. It referenced a safety-first approach which is something we have always believed in. A safety-first approach relates to the idea of covering all of your essential expenses with guaranteed sources of money meaning sources like Social Security, pensions and annuities that pay you an income you can’t outlive. If you’re married, your essential expenses should cover not only you, but also your spouse. Call us if you’d like to review your expenses and your guaranteed sources of income to see if they are measuring up to what your needs are anticipated to be. We are always here to help and may have some ideas to further boost your income in retirement if it is falling short.