What if you live to be 100 years old?

A lot of retirement plans assume your portfolio needs to last 15–25 years… maybe 30 if you’re being conservative. But if you retire at 60 (or earlier) and live to 100, that’s a 40-year time horizon in retirement — and it changes everything.

In this episode, I walk through five retirement planning considerations to address longevity risk for retirees in 2026 and beyond, including:

• How to build paychecks in retirement (not just a portfolio)

• Why getting too conservative can quietly increase risk over a long retirement

• How to think about Social Security, pensions, and annuities as guaranteed income tools

• Why long-term care planning is a logistics problem (that can become a money problem)

• Spending phases: go-go, slow-go, no-go

• And a legacy concept I love: giving with a warm hand instead of a cold one

📌 Free resource: I’m including a PDF in the show notes on the Guyton-Klinger “guardrails” decision rules (inflation rule, prosperity rule, portfolio rescue rule, portfolio management rule).

Guyton and Klinger Decision Rules

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Kevin Lao

Links:

Guyton and Klinger Decision Rules

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This is for general education purposes only and should not be considered as tax, legal or investment advice.