Mature American Planning Company

Mature American Planning Company We help people think about their money. We can provide guaranteed income for life for today or in the future and help our clients protect that income.

“The first step is to stop treating LTC as a remote possibility and include it in retirement planning.” say elder law at...
08/17/2026

“The first step is to stop treating LTC as a remote possibility and include it in retirement planning.” say elder law attorney Tara Anne Pleat. Because that is exactly what most families do. They treat long-term care (LTC) like a lottery ticket. Maybe it happens to us, probably it happens to someone else.

But the numbers do not support that thinking. Most retirees will need some form of long-term care. It is not remote. It is closer to a coin flip.

The article points out that most retirement projections model living expenses, investment returns, and life expectancy, but do not adequately account for the cost of dementia care, prolonged disability, or the real possibility that BOTH spouses eventually need assistance. That is not a small planning gap. That is the difference between a plan that protects your family and a plan that quietly falls apart the moment care becomes necessary.

A retirement plan without a long-term care strategy is not complete. It is a plan with a hole in it, and that hole gets more expensive every year you wait to fill it. Stop treating the possibility of needing long-term care as remote. Put it in your plan.

Long-term care expenses may drastically reduce the trillions baby boomers plan to pass on to their heirs

New research asked the question, "What is the best way to turn a nest egg into steady income?" The study compared going ...
08/02/2026

New research asked the question, "What is the best way to turn a nest egg into steady income?" The study compared going all-in using the traditional 4% withdrawal rule versus going all-in on an annuity, and a partial annuitization strategy that combines the two. The 4% rule (a best guess) came up short. And going 100% into an annuity, while it can produce higher income, forces retirees to give up control of their money entirely, which is not the right fit for everyone either. The winning formula was the middle path: putting a portion of savings into an annuity for guaranteed income, keeping the rest invested for growth and flexibility, and potentially delaying Social Security to maximize that benefit too.

When it comes to retirement income, diversifying with partial annuities may help make nest eggs last, new research finds.

Households with more guaranteed income spend up to 44% MORE in retirement. That is a statistic from J.P. Morgan's new 20...
07/01/2026

Households with more guaranteed income spend up to 44% MORE in retirement. That is a statistic from J.P. Morgan's new 2026 Guide to Retirement.

When people have a guaranteed income covering their basic needs, they give themselves permission to actually LIVE. They take the trip. They help the grandkids. They enjoy the retirement they spent a lifetime building.

Compare that to the retiree living off a portfolio alone. J.P. Morgan found that six in ten new retirees experience significant spending volatility in their first three years. Their income swings with the market, so they freeze. They hoard. They deprive themselves out of fear.

Guaranteed income is not just about safety. It is about FREEDOM. The freedom to spend without fear because your paycheck shows up no matter what the market does.

Retirement experts share actionable insights on retirement income, investment planning and Social Security to help shape decisions in the year ahead

One of the biggest financial threats you face is not Wall Street. It is the cost of getting old. A new AARP study shows ...
05/18/2026

One of the biggest financial threats you face is not Wall Street. It is the cost of getting old. A new AARP study shows nearly half of the 63 million Americans who are unpaid caregivers have taken on debt, stopped saving for retirement, or can’t afford food because of the cost of care-giving.

Rising costs of home care and nursing homes are pricing out middle-income families, forcing them to take on caregiving responsibilities or tap their savings

Nearly 30% of adults over age 65 have experienced a drop in cognitive capacity — and financial management is among the f...
05/08/2026

Nearly 30% of adults over age 65 have experienced a drop in cognitive capacity — and financial management is among the first skills to go. The average household wealth loss from cognitive decline is nearly $124,000. And unlike market losses, those losses are often permanent.

Guaranteed lifetime income from annuities reduces the need for ongoing investment decisions, portfolio management, and withdrawal choices throughout retirement, substituting a stable contractual income stream for a sequence of potentially risky financial decisions. When the paycheck arrives automatically every month, you do not have to make complex decisions that you may no longer be able to make.

Cognitive Decline Retirement Risk can erode savings. Learn how decision risk impacts retirees and ways to protect financial security.

A portfolio is not a pension. A withdrawal strategy is not a paycheck. But an annuity is. Whether we like it or not, som...
05/06/2026

A portfolio is not a pension. A withdrawal strategy is not a paycheck. But an annuity is. Whether we like it or not, some of the growth in annuities is absolutely because of the uncertainty that a lot of people are feeling right now. Fear is driving some of this. But math should be driving all of it. Guaranteed lifetime income belongs in every retirement plan. Does your retirement plan have a paycheck you cannot outlive?

People who buy annuities for lifetime income often think of them as an investment, when they're more like insurance, experts said.

The “millionaire next door” type. Great saver. Great work ethic. Great values. Terrible spender. The hardest part of ret...
05/05/2026

The “millionaire next door” type. Great saver. Great work ethic. Great values. Terrible spender. The hardest part of retirement is not building the nest egg. It is giving yourself permission to crack it open. Many retirees live frugally throughout retirement because they worry about running out of money. But it is possible to splurge and still have enough. It all comes down to having a plan. When your basic living expenses are covered by guaranteed lifetime income that you cannot outlive, the fear of running out of money goes away. The goal of retirement is not to die with the most money. The goal is to actually LIVE.

Good job on all that great saving. Now you need to start spending some of that hard-earned retirement savings on the things you love.

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10246 Crouse Road, Suite 118
Hartland, MI
48353

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