#physician-retirement

#physician-retirement

"There are very real economic forces that are limiting the options for non-college-educated men in the United States. Some of what we're seeing is simply rational responses to a system that's pricing them out."

Maria Elena Healy, a registered nurse at Laguna Honda, stated, 'I am just one of the few who have been laid off. They are eliminating an entire department. These people will no longer have the specialty nursing care that we provide.'

A 65-year-old man today can expect to live to 84 years old, while a 65-year-old woman can expect to live until 86. For plan sponsors and advisers, that translates into a potential distribution horizon of at least 20 to 30 years. Without incorporating realistic longevity assumptions into glide path design, withdrawal strategies and income solutions, participants face a heightened risk of outliving their savings.

Social Security benefits rose by 2.8% in January 2026, adding roughly $56 per month to the average retiree's check. Year-over-year inflation is running at 2.2%, which means the COLA is actually outpacing current price increases by a small margin. The catch is Medicare. Medicare Part B premiums increased in 2026, and since those premiums are deducted directly from your Social Security payment, some of that $56 gain disappears before it reaches your bank account.