
Retirement Income Sources Beyond Social Security for Most Retirees
Social Security accounted for 30% of income among Americans 65 and older in 2019. See how wages, pensions and assets contribute, why reliance grows with age, and what the trust…
Peter Simmons covers the challenge of building lasting income streams, from annuities to dividend portfolios designed to outlast their owners. His writing leans persuasive and energetic, using vivid analogies to make abstract income models feel tangible. Peter is particularly interested in how market volatility tests income durability over time, and he enjoys challenging conventional wisdom, pushing readers to question assumptions about guaranteed income versus growth-oriented approaches to funding retirement years.
30 articles

Social Security accounted for 30% of income among Americans 65 and older in 2019. See how wages, pensions and assets contribute, why reliance grows with age, and what the trust…

A 2026 ranking puts Elgin at the top for retiree healthcare access, while Wisconsin, Pennsylvania and Texas cities offer different tradeoffs. See the scores, understand what Medicare does not standardize,…

The familiar 4% rule was based on historical market tests, not a guarantee. See how it compares with lower starting rates and flexible strategies, plus practical steps for testing a…

Nine communities in Alaska, Washington and Wyoming made a 2026 list of Western retirement destinations. Compare reported home values, state taxes, transit and healthcare access before deciding which trade offs…

Houston pairs below average living costs and a $292,500 median home price with extensive medical care, cultural attractions and varied neighborhoods. See how taxes, summer heat and traffic could shape…

Concord, New Hampshire, offers historic neighborhoods, river trails and a quieter pace for retirement. See how home values, property taxes, state tax rules, winter weather and health care access could…

Social Security is a major part of retirement income, but it is not the only source for most older adults. See how wages, pensions and assets contribute, how reliance changes…

Ankeny pairs below average living costs with trails, senior programs and a short trip to Des Moines. Its March 2026 average home value was $338,168, but available figures do not…

Venice, Florida, combines a reported median home price of $374,917 with beaches, trails and retirement amenities. But without current inventory or mortgage figures, the available data cannot establish whether the…

A typical retired couple’s modeled savings target is about $1.16 million, but annuity income can change how much remains invested. See how monthly payments affect the estimate, why state costs…

Many younger workers contribute well below common retirement targets, and job changes or debt can make the gap wider. See how contribution increases, employer matches and a $60,000 salary example…

Bonds, bond ladders and annuities can each support retirement spending, but they carry different risks and limits. See how duration, diversification, planned withdrawals and taxes can shape a practical income…

A market drop early in retirement can permanently shrink a nest egg. Here is how a cash and bond buffer helps retirees avoid selling stocks at the worst possible time.

From Juneau to Winchester, medium sized towns are quietly outpacing big cities as retirement destinations, offering lower home values, manageable healthcare costs and real tax savings.

Retirement account participation is up for people in their late 30s and early 40s, but balances have dropped sharply. Here is what that means for planning ahead of key ages…

A state retirees pay schedule for sales tax can swing a household budget by hundreds of dollars a year, since the tax applies every time cash changes hands at the…

Nine U.S. towns where retirees can cast a line without leaving home, from Florida's tarpon flats to South Dakota's walleye waters, plus the tax perks and lower costs that come…

Sioux Falls draws retirees with home values below the national average, no state income tax, and healthcare systems like Sanford and Avera anchoring the city.

Florida is famous for retirees, but how many actually live there? A look at Census data, senior population shares and the income realities behind the state's retirement boom.
Choosing among great retirement places to live often comes down to lifestyle and budget, but for people who plan to spend their days outdoors with a trowel in hand, climate…
Most Americans want universal healthcare, polls show, and the retirement system reveals why: workers often leave jobs at 62, years before Medicare starts at 65.

Think you need $1 million to retire alone? In 28 states, $800,000 covers it, but only 9% of single retirees actually have that much saved.
Dividend income can trim a retirement nest egg by up to $600,000, but the savings needed still swing wildly by state. Here is the math couples should know.
Wondering how much to retire in North Carolina? A typical couple needs nearly $940,000 beyond Social Security, and the gap looks different depending on age and pension income.