Kareem Sanders

A new publication said retirement planning had been moving from saving to spending as longer lifespans, market uncertainty, and rising complexity reshaped decisions.
Its core finding: retirement success increasingly depended on turning wealth into reliable income, not just building assets for long-term growth.
The publication said unclear income often led people to spend less, delay decisions, or disengage, even when they held significant assets.
It emphasized predictable income for essential expenses could build confidence before retirement, helping people stay invested, act more deliberately, and adapt as circumstances changed.
Three perspectives framed the guidance: rethinking income, a client-advisor story, and a planning framework balancing essential income, flexibility, tax efficiency, and evolving priorities.
Overall, the publication pointed toward retirement readiness defined by income reliability, coordinated planning, and long-term flexibility as retirement grew more com

Retirement Planning Shifts Toward Spending

Medicare remained a major coverage option in 2026, with 68.9M enrollees. But rising costs kept pressuring both the program and consumers facing steeper price hikes.
The piece highlighted 3 ways to trim Medicare spending: compare plans, use a specialized agent, and weigh plan risks against coverage needs.
Comparison shopping could lower out-of-pocket spending by $1.7K, including medical care, prescription drugs, premiums, and deductibles, according to a recent study.
Plan details varied sharply by state and county for Medicare Advantage, while Medicare Supplement benefits stayed broadly similar nationwide even as premiums differed by insurer and location.
Experts said a Medicare-focused agent could better match coverage to someone’s health, lifestyle, and budget, and help avoid costly mistakes or late-enrollment penalties.
One expert favored Medicare Supplement over Medicare Advantage, citing broader doctor access, less insurer interference, and lower out-of-pocket risk despite pre