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retirement income planning for couples with age gaps

Like other folks, you probably see waves of retirement advice from the papers, financial talkshows, online news sources, and other outlets. Much of that advice assumes that among couples, both spouses are approximately the same age. That often results in solutions designed to address the needs of couples entering their retirement years together.

But what about couples with sizable age differences? Their different retirement timelines are likely to present unique problems. When such is your situation, how can you plan for your retirement effectively?

If one spouse is eligible to retire 10 or more years ahead of the other, that spouse will be making choices that not only affect their own retirement. It impacts their partner's retirement, as well. Those decisions could have a dramatic impact on the younger spouse’s lifestyle now and during their own golden years.  

Not only does their age disparity affect their retirement plan, it means that life events, both those foreseen (e.g., retirement or required minimum distributions) and unforeseen (e.g., the need to help care for aging parents), will be faced at different stages in their lives.

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understanding reverse mortgage img

Once, reverse mortgages were considered to be the financial stepchild of retirement income sources. But respected authorities like Wade Pfau have shed new light on its potential uses in a retirement strategy. Now, growing shares of financial professionals, retirees, and other Americans see their benefits for certain situations.

If you have any pre-conceived notions about reverse mortgages, you might have formed them while watching those TV commercials with Tom Selleck, Robert Wagner, Henry Winkler, or one of many other well-known personalities.

You might ask, "What roles might a reverse mortgage play in my retirement income plan?" That is a good question. Let’s take a look at some potential uses for a reverse mortgage, including what it may involve.

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financial advisors denver colorado image "I recommend Safe Money Denver for their experience, professionalism, financial knowledge, unique insights from working in multiple financial/investment disciplines, and dedication to personalized service. They offer a steadfast commitment to individual client needs and a broad perspective of finance from their multifaceted professional backgrounds."

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