What Happens When the Paycheck Stops in Retirement?
When most people think about retirement, they imagine a permanent vacation—but what happens when the paycheck stops in retirement? It’s not just a lifestyle change; it’s a cash flow event. In this episode of Future Focus, we ask the critical question: Two weeks after you retire, where is your paycheck coming from?
We’ll explore:
- The myth of “I’ve saved enough, I’ll just draw it down.”
- Risks that threaten retirement income (Sequence of Returns Risk, tax inefficiency, market volatility).
- The role of guaranteed income in retirement from pensions, social security and annuities.
Guarantees are based on the claims-paying ability of the issuing company.
Future Focus: A Financial Strategies Podcast
Welcome to Future Focus, a podcast designed to make sense of complex financial topics. Hosted by Troy Branch, a professional with over 25 years in the financial services industry, this Ameritas advanced planning podcast offers engaging panel discussions that simplifies the jargon into straightforward insight.
Whether you’re a business owner aiming to enhance your financial knowledge or someone interested in financial literacy, Future Focus is your go-to resource. Each episode provides practical tips covering topics like estate planning, managing risk, retirement strategies for business owners and much more.
Learn more about Ameritas: https://www.ameritas.com
Find a financial professional who can help: https://www.ameritas.com/contact/find-a-financial-professional/?utm_source=podcast&utm_medium=referral&utm_campaign=future-focus
Disclosures
In approved states, annuities are issued by Ameritas Life Insurance Corp. In New York, annuities are issued by Ameritas Life Insurance of New York. Policies and riders may vary and may not be availalbe in all states. Optional riders may have limitations, restrictions and additional charges.
Guarantees are based on the claims-paying ability of the issuing company.
Withdrawals may be taxable and, if taken prior to age 59 1/2, a 10% penalty tax may apply.
This podcast is for informational purposes only and will cover a variety of topics examining the role insurance and other financial products may play in financial decisions. The information presented here is not intended as tax, accounting, or other legal advice. If tax or other legal advice or other expert assistance is required, the services of a competent professional should be sought.
This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company. Subsidiaries include Ameritas Life Insurance Corp. In Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in White Plains, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.
Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp.
Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company.
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