Retirement Readiness Means Rethinking The Decumulation Phase

It’s 2025, and we’re in the thick of the Peak 65 wave. More than 11,200 Americans turn 65 each day — up from 10,000 a decade ago — and over 4.1 million people will retire annually through 2027. However, the fundamental shift isn’t just demographic; it’s psychological.

Key takeaways

1. 1. Nearly half spend their savings without structure, which puts long-term sustainability at risk.
   2. Annuities and delayed Social Security can help clients feel more comfortable using what they’ve saved.
   3. Clients underestimate how much guidance they might need in retirement. As their trusted financial professional, you may need to step in early and often if needed.