Why Online Life Expectancy Calculators Are Costing You Money
Confused by Social Security?
“I’ll probably die by 78, so I should file early.” I hear this all the time. But standard actuarial tables use averages that include smokers and the sick.
You Are Not “Average”
If you are 60+, non-smoking, and have good healthcare, your life expectancy is likely late 80s or 90s. Planning for the average risks running out of money.
The “Underestimation” Risk
If you plan for 78 but live to 95, those last 17 years can be financially devastating if you filed early. Social Security is the only income that lasts as long as you do.
Stop guessing your lifespan.
We use longevity-adjusted data to build your claiming timeline.
Plan for “Maximum Probable” Life
It is better to leave money to heirs than to run out.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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