Do you remember what a gallon of milk cost 10 years ago?

Exactly.

Inflation has become the uninvited guest at every retiree’s table — eating away at purchasing power one grocery bill at a time.

And while everyone’s talking about it, few are planning for it.

🔥 The Real Threat

Inflation isn’t just about higher prices — it’s about longer lifespans and shrinking dollars.

If you’re retiring at 65, you may need your portfolio to last 30+ years. Even at a modest 3% annual inflation, your costs could double by your mid-80s.

That means a $100,000 lifestyle today could require $200,000 just to feel the same later.

🧩 Real-Life Story

Meet Mark and Ellen, retirees in their early 60s who came to us worried their income couldn’t keep up with expenses.

When we looked closely, their portfolio leaned heavily toward bonds and CDs — “safe,” but not inflation-safe.

We helped them restructure into a plan that included:

• Dividend-paying equities for growth
• Annuities for guaranteed lifetime income
• A Roth conversion strategy to manage future taxes

Now, their plan doesn’t just survive inflation — it’s designed to outlast it.

💡 Practical Tips to Keep Your Retirement Rising With Prices

1️⃣ Segment your income sources. Create “buckets” for short-term (cash, CDs), mid-term (bonds, fixed annuities), and long-term (equities, Roth) needs.

2️⃣ Don’t ignore equities. Even conservative stock exposure helps offset rising costs over decades.

3️⃣ Automate cost-of-living adjustments. Some annuities and pensions offer COLA features — they’re worth comparing.

4️⃣ Manage taxes as inflation rises.Inflation can push you into higher brackets. Tax-efficient withdrawals (from Roths or after-tax accounts) can help balance the hit.

📈 The Big Picture

Inflation is inevitable — panic isn’t.

With the right income plan, your dollars can keep pace with your dreams.

📞 Talk to Quraishi Law & Wealth today for a 15-minute Discovery Call to review your retirement income strategy.

Let’s make sure your money stretches as far as your ambitions — no matter how long you live or how high prices climb.