For many, retiring early is a dream. Roughly 59% of American adults surveyed by YouGov in 2024 said they would like to retire before the age of 65.

But if you’re part of the 41% who are still considering a traditional retirement age, there could be plenty of reasons to reconsider.

Here are three surprising statistics that could change the way you look at your golden years and retirement plans.

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Older Americans are facing retirement uncertainty because of market up’s & downs and Trump policy changes.

With dips in the stock market, staff cuts to the Social Security Administration, and rapidly changing economic policy, older Americans aren't sure how to navigate retirement under Trump 2.0.

Some retirees are tempted to make drastic changes to their investments, while others feel anxious about how their Social Security benefits may fare. Financial advisors' advice to older Americans right now? Don't panic.

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Planning for retirement isn’t just about saving money—it’s also about knowing the right timing. From when you can make catch-up contributions to when you’re eligible for Medicare and Social Security, hitting the right age milestones can help you avoid penalties and maximize benefits.

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If you're like most people planning for retirement, you're worried about finances and not having enough money to support yourself when you retire.1 Financial concerns aren't the top worry for today's retirees, though.1

They're far more nervous about health issues than money.

That's just one disconnect between what we think we know about retired life versus what it's actually like living it.

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Things to consider

• What will your retirement lifestyle be like and what will it cost?
• Are you prepared to create your own retirement paycheck from your investments?
• Do you want to reduce your risk by protecting what you've saved until you're ready to retire?

Whether you are still saving for retirement or shifting your focus from building wealth to generating retirement income, it’s important to think about how much your chosen retirement lifestyle will cost and ultimately how you will fund that lifestyle. We believe it starts with a disciplined retirement income plan built around your goals and priorities.

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With fluctuating markets and shifting economic tides, many seek effective ways to provide a sense of calm for their retirement years. One option that stands out is the Annuity—an investment vehicle that can transform your future through predictable income and financial security.

At its core, an annuity is a contract between an individual and an insurance company designed to provide a stream of income, typically for retirement. The magic of annuities lies in their ability to create financial stability and offer a reliable source of income for a specific period or even a lifetime. This characteristic makes them particularly attractive to retirees seeking predictability and security in their financial strategy.

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Investors who actively participated in the stock market following the Great Recession of 2007-09 were fortunate to experience the longest-running bull market in history, the 11 years from March 9, 2009, through March 11, 2020.

The Covid-19 recession ended that bull market. It was quickly followed by a new upward trend before dropping back to bear market territory in May 2022. Unfortunately, bull runs always end at some point. The stock market itself has a natural life cycle that — like life itself— is destined to encounter peaks and valleys. Those scenarios frequently are preceded by events that impact market fundamentals or economic events, such as...

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For many, retiring early is a dream. Roughly 59% of American adults surveyed by YouGov in 2024 said they would like to retire before the age of 65.

If given the opportunity to do things over, many retirees say they would've made financial decisions differently.

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Retirement is the ultimate long-term financial goal. You might save and invest for decades, crossing your fingers that you’ll have enough. But how much do you really need to have saved for a comfortable retirement?

Unfortunately, there’s no crystal ball to tell you how much you’ll need. Instead, you’ll have to use some general rules of thumb and apply them to your own situation.

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