Retirement income must sustain you for the whole of life, however long that may be. But the reality is that the length of your future lifetime is unknown. And the distribution of your potential future lifetime is not concentrated around a single value; rather, it is enormously wide. The graph reveals that a 60-year-old might need income for 10, 20, 30, 40, or even 50 years. The future lifetime distribution is so spread out that for a group of 60-year-olds the probability that any particular original member dies in any given year—and therefore requires income for exactly that many years—is less than 5%!

Faced with this much uncertainty about how long you require income, what can you do? Fortunately, solutions to mitigate this situation exist. Indeed, solutions to totally remedy this situation—one that every baby boomer faces—exist. These solutions don’t merely speak to the challenge of uncertain longevity. They fully solve this risk, reducing the probability of outliving income to zero. All these solutions—those that mitigate and those that totally conquer longevity risk—are described in this excellent handbook for you.

Some retirement income generation approaches are vastly more efficient than others. You’ll learn how to generate significantly higher monthly income from the same starting point. Seemingly unbelievably—until you understand why—such higher-income approaches also provide greater protection against outliving your wealth. This book will change your life in a positive, valuable way!