Asset

What options are available to a soon-to-be retired household that is financially constrained?  What levers can be pulled if desired retirement spending is not realistic in light of retirement savings?

The odds of financial success in retirement for the typical American household are less than ten percent.

This is based on the financial profile of an American household that would be considered statistically average.  We developed the financial profile of an average American retiree in a previous article (click here to read).  

The summary of the financial profile of our hypothetical retiree--referred to as William--is as follows:

• William needs to generate $40,038 per year in after tax
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Risk Management Solutions (RMS) is well known as a leader in the area of catastrophe modeling and analytics.  The company provides its services to a broad range of insurers, reinsurers, consultants and capital markets participants who are active in the property and casualty insurance industry.

More recently, the company has developed resources that focus on life and health risks.  Though initially focused on...