2025 Q1 Newsletter

This article outlines the core habits that help your money last throughout a long retirement. It explains how goal-setting, disciplined saving, smart investing and prudent risk management work together to reduce longevity risk — the danger of outliving your money — and strengthen long-term financial wellbeing.

• Clear goals and a written financial plan provide direction, helping you stay focused even when markets are volatile.

• Eliminating high-interest debt and living within your means are foundational steps toward long-term financial health.

• Saving early and investing consistently allows compounding to work in your favor, helping offset long-term risks like inflation and longevity.

• Monitoring and adjusting your asset allocation over time keeps your investments aligned with your goals, risk tolerance and stage of life.

• Protective measures like insurance, updated wills and prudent withdrawal strategies are key to safeguarding your family and preserving your retirement nest egg.