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Retirement Income Cornerstone Guide

Retirement Income Planning for Women

Longer lifespans and career patterns make dependable income especially important for women. Here's what to plan for.

Updated June 8, 2026 8 min readRetirement Income
Original infographic in development: Retirement Income Planning for Women

Women, on average, live longer than men and are more likely to spend part of retirement alone. That makes dependable, lasting income especially important.

This guide covers the planning factors that matter most for women's retirement security.

Planning for a longer life

Why a longer life expectancy raises the stakes on outliving your money.

Career gaps and savings

How time out of the workforce affects savings and Social Security, and how to adjust.

Social Security and survivor benefits

Spousal and survivor benefits and the decisions that protect them.

Building income that lasts

Using guaranteed income to secure a lifelong paycheck, subject to the insurer's claims-paying ability.

This guide is for general educational purposes only and is not financial, tax, or legal advice. Tim Hartle is an independent insurance professional. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured. Rules and product features vary by situation and by state. Please consult a qualified advisor about your own circumstances.

Frequently Asked

Apply This to Your Own Plan

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Tim Hartle is an independent insurance professional licensed to sell annuity and life insurance products. Annuity and insurance products are not deposits, are not FDIC or NCUA insured, are not guaranteed by a bank or financial institution, and are subject to investment risk including possible loss of principal in variable products. Fixed and fixed-indexed annuities guarantee principal and a minimum interest rate, subject to the claims-paying ability of the issuing insurance company. Guarantees are not backed by the federal government. Past performance is not a guarantee of future results. This material is for informational purposes only and does not constitute financial, tax, or legal advice. Please consult with a qualified advisor regarding your individual circumstances before making any financial decisions. Product availability and features vary by state.

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