How to make sure you don’t outlive your money

One concern I often address as a fiduciary advisor is the risk of outliving your retirement savings—a situation that is, in fact, avoidable with the right planning. Many people underestimate the possibility of living to age 100, which can lead to significant gaps in long-term financial strategy. I encourage my clients to think honestly about their future—envisioning themselves well into advanced age. This perspective shift often highlights the importance of a robust, real-world-tested income plan, rather than relying on assumptions. Ensuring your plan is built to last as long as you do is one of the most practical ways to secure peace of mind for the years ahead.