These are the sources you can count on for consistent cash flow throughout your retirement.

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They are also the simplest to understand and have the least amount of complexity. But there are things you can do to maximize the value of each of these income sources - initial planning is required.

 

They tend thereafter to be "set it and forget it".

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These sources of income also carry the lowest amount of risk that they will be disrupted, changed or end before you or your spouse pass away.

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These sources of income carry a common quality of being guaranteed by either a state or federal agency or by a licensed insurance company.

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One of the greatest benefits to a retiree from these "base level" income sources is that these are dollars that are "easy to spend". Retirees consistently tell us that they feel 100% comfortable spending every dollar from these income sources - because they know that this income is going to come again next month, and again the following month and for as long as they live!

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The happiest retirees tend to have enough guaranteed lifetime income (like these base levels) to meet all of their basic needs in retirement. Knowing they have all of these required expenses covered gives them peace-of-mind.