The 25x Strategies Blog
Four financial moves you could make in retirement
Throughout your working years, you worked hard to build assets for the future. Now that retirement has arrived, you can enjoy the results of your efforts. Even if you feel financially prepared, retirement still requires careful money management. Your needs,...
How to Protect Your Income from Unexpected Events
Your ability to earn an income supports daily expenses and long-term goals. It deserves a place in your protection planning. Most people focus on saving and investing, but overlook the risk of losing income due to illness, disability, or unexpected...
How to Avoid Running Out of Money in Retirement
One of the biggest fears in retirement is simple: “What if I outlive my money?” The possibility of outliving available savings or income is known as longevity risk. Why This Happens People underestimate: How long they’ll live Healthcare costs Market...
The Role of Life Insurance in Wealth Protection
Life insurance primarily provides a death benefit to beneficiaries when the insured dies, subject to policy terms. Depending on the need and policy design, it may also support family, estate or business protection. The right coverage depends on your goals,...
Key Person Insurance: Planning for a Critical Business Loss
Some businesses depend heavily on an owner or employee whose death could disrupt revenue or operations. That’s where key person insurance comes in. What Is It? Key person life insurance is generally owned by a business on an important owner...
What Is Longevity Risk and How to Plan for It
A retirement that lasts longer than expected can put pressure on your savings and income. Longevity risk means the possibility of outliving your available savings or income. Factors to Consider Longer life expectancy Rising healthcare costs Inflation over decades How...
The Real Cost of Healthcare in Retirement — And How to Plan for It
Healthcare costs in retirement depend on your coverage, health needs and how long you live. A useful starting point is a personal budget for premiums and care, together with a plan for expenses insurance may not cover. U.S. health spending...
Case Study: Using Life Insurance to Help Build a Family Legacy
Client Profile A 65-year-old professional was preparing to slow down and transition into retirement. She had worked hard, saved consistently, and built enough retirement income to feel financially secure. Her focus then shifted to family. Her adult children were beginning...
2027 Social Security COLA: 3.6% Increase Explained
Retirement Education | October 14, 2026 Millions of Americans receiving Social Security and Supplemental Security Income (SSI) will see higher benefits in 2027. The Social Security Administration (SSA) officially announced a 3.6% cost-of-living adjustment (COLA) for 2027. For the average...