How Far Out Should My Financial Plan Go?

Let’s face it. This is just a euphemistic way of asking the question, “How long should I assume I (or my spouse/partner) will live?” While it may make us a bit uncomfortable, we must not shy away from it, assuming we want to produce the most valuable plan possible. In our lifetimes, we have seen tremendous advancements in healthcare leading to increased longevity.  For a couple at age 65, the table below shows the probability of living to ages 80, 90, and 100.

Age

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