At Fiat Wealth Management, we are committed to empowering our clients with the knowledge and tools necessary to achieve a secure and fulfilling retirement. The 2025 edition of J.P. Morgan’s Guide to Retirement offers valuable insights that align with our mission to provide personalized, forward-thinking financial guidance.

Key Takeaways from the 2025 Guide to Retirement

1. Understanding Longevity and Its Impact
People are living longer—and that has a direct effect on how you should plan for retirement. According to the Guide, a healthy 65-year-old couple today has a strong chance that at least one spouse will live into their 90s. This extended life expectancy requires strategies that help retirement savings last longer than ever before.

2. The Importance of Early and Consistent Saving
One of the most powerful tools in retirement planning is time. The Guide shows how starting to save early—even in small amounts—can lead to significantly stronger outcomes over the long run due to the effects of compound interest.

3. Diversifying Retirement Income Sources
Social Security is a piece of the puzzle, but it may not be enough on its own. The Guide highlights the importance of building a comprehensive income strategy that includes personal savings, employer-sponsored plans, and other investment vehicles.

4. Adapting to Changing Spending Patterns
Retirement spending doesn’t always follow a straight line. From travel in the early years to increased healthcare costs later in life, anticipating how spending needs change is crucial. The Guide encourages planning for flexibility in your financial plan.

5. Reevaluating Withdrawal Strategies
The old “4% rule” may no longer apply universally. Instead, the Guide recommends developing personalized withdrawal strategies that reflect your unique circumstances, market dynamics, and lifestyle preferences.

How Fiat Wealth Management Can Help

At Fiat Wealth Management, we integrate these insights into our comprehensive retirement planning process:

• Tailored Financial Plans built around your personal goals and lifestyle.
• Diversified Investment Portfolios that support both growth and income.
• Sustainable Withdrawal Strategies aligned with today’s market realities.
• Ongoing Guidance & Education so you feel empowered in every season of retirement.

Take the Next Step

Understanding the evolving landscape of retirement is the first step—putting it into action is where we come in. If you’re ready to align your retirement plan with today’s best practices, we’re here to help.

Schedule a conversation with our team today and begin building your retirement with clarity and confidence.

Sources:

• J.P. Morgan Asset Management. Guide to Retirement – 2025 Edition. Retrieved from: https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/

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