Integrity Financial Service, LLC · Safe Money & Income Radio
Plan for the long life · not the average one
How long does the money have to last?
Averages mislead: half of people outlive them, and plans built for the average run out on exactly those people. Set your ages and see the real curve — and the planning age where the odds say your income should still be showing up.
1Set your ages2Hover the survival curves3Note the planning age for your income
Runs entirely in your browser — nothing about you is collected.
Hover the chart for the odds at any age. The gold line is the household — the chance at least one of you is still at the table.
View as table
Integrity Financial Service, LLC · (616) 719-1979 · safewithintegrity.com · educational estimates — not advice
NEXT TOOL Will income cover the bills that whole time? The Paycheck Gap Checker →What this does — and doesn’t
- Curves come from the U.S. life tables (National Center for Health Statistics, 2021): the chance a person your age reaches each later age. “Either of you” assumes independent lifetimes.
- These are population odds. Health, family history, and habits move your personal curve — and 2021 tables reflect a pandemic year, so true odds today run a touch better, not worse.
- The claiming decision and the long life are one problem: the timing explorer shows which claiming age wins if you’re on the long side of these curves.
A long life should be good news.
It only feels like a math problem when income has an end date. Planning for the thirty-year retirement — income that lasts as long as you do — is what Dave’s office does across the table.
Plan for the long life 15 minutes · no cost · nothing sold Rather talk right now? (616) 719-1979