Lauren Minches

Lauren Minches

Financial Planning Professional

Lauren is an actuary by training with expertise in retirement, finance, and risk. She writes about annuities to make them easier to understand and evaluate. Her goal is to help people create retirements with more time for living and less time thinking about money.

Retirement Planning

Smart Planning for a Long Retirement

Higher life expectancies mean longer retirements. It’s important to consider these tools and strategies to ensure that you don’t outlive your retirement savings.

Retirement Planning

Planning for Retirement with Income and Assets

Early in our careers, we think about retirement in terms of assets, but as we get closer to actually retiring, it’s important to shift and focus on income. Why? Assets run out. Lifetime income doesn’t.

Retirement Planning

How Your Spending Changes in Retirement

Household spending generally drops at retirement and then continues to decline throughout retirement. Here’s how people’s spending changes the most and how it can effect your saving plan.

Longevity

Financial Products for Longevity: Social Security

Social Security, has been providing Americans with guaranteed income throughout retirement for years. Here’s how the program works and when you can claim your Social Security benefits.

Longevity

Tools to Estimate Your Longevity

Understanding your current habits can give you insight into your healthy life in retirement. These calculators can help you project what you can do now to ensure a comfortable retirement later.

Longevity

4 Ways to Live Longer

Maintaining a healthy lifestyle can help you enjoy your retirement. Here’s what you can do to stay on track.

Longevity

Will We All Live to Be 100?

Forty years ago, living until 100 was extremely unlikely. Thanks to new research, here’s how the human lifespan will continue increasing.

Longevity

How to Mitigate Longevity Risk in Retirement

Increasing lifespans and a recent shift in the US retirement system from employer pensions to accumulation strategies has created new challenges for Americans planning for retirement. Learn how to mitigate longevity risk and create guaranteed retirement income that will last as long as you do.