Retirement Questions Answered: Insights for Florida Retirees in 2026

Quick Answer: Most retirees can maintain their lifestyle with about 70% to 80% of their pre-retirement income, but there isn’t one “magic number.” Your comfort level depends on where you live, how much you spend, and how efficiently your income and savings are structured for retirement.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide —READ HERE.

Quick Answer: Yes — it’s possible to outlive your savings, especially with retirees living longer than ever before. But careful income planning and ongoing strategy reviews can help aim to make your money last throughout retirement.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full answer -READ HERE for longevity strategies.

Quick Answer: Planning for long-term care means preparing for possible healthcare costs later in life — and deciding how to fund them. Exploring options like insurance, savings, or hybrid strategies early can help protect your income and assets.

By Christopher J. Dixon, RFC, Oxford Advisory Group |Full answer READ HERE for care planning.

Quick Answer: Taxes can significantly affect your retirement income. Even after you stop working, withdrawals from IRAs, 401(k)s, and Social Security benefits may still be taxable — depending on how your assets are structured.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for tax strategies.

Quick Answer: Inflation can erode your purchasing power during retirement, especially over 20–30 years. Building flexibility and some growth potential into your plan helps protect long-term income.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for inflation hedges.

Quick Answer: Healthcare often becomes one of retirement’s biggest expenses. Planning for premiums, out-of-pocket costs, and long-term care early may help you stay better prepared and potentially protect your income.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for health budgeting.

Quick Answer: You can retire when your income sources, savings, and lifestyle goals align to support your expenses — not just at a specific age. For many, that balance may happen between ages 60 and 67.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for readiness checks.

Quick Answer: You can start Social Security as early as age 62, but waiting until your full retirement age (or up to age 70) increases your monthly benefit.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for claiming timing.

Quick Answer: “Safe” investments are those that are aimed to help preserve principal while generating reliable income. Some professionals would consider this to include some fixed annuities, U.S. Treasury securities, and certain types of bonds or CDs.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for safe portfolios.

Quick Answer: While no plan is foolproof, to help potentially make your money last, focus on sustainable withdrawal rates, diversified income sources, and regular reviews of your spending and investment strategy.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for withdrawal plans.

Quick Answer: If you’re starting late, you may benefit from a focus on maximizing contributions, reducing taxes, and prioritizing consistent savings. It’s never too late to create a plan aimed at helping build retirement income.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for late-start tips.

Quick Answer: You may be able to help lower retirement taxes by controlling when and how you withdraw money, using Roth accounts, and managing taxable income through careful planning.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for tax reduction.

Quick Answer: There’s no universal “best” age to retire — it depends on your savings, health, goals, and how your income streams align. For many, the ideal window falls between ages 60 and 70.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for age assessments.

Quick Answer: In our experience, some of the most common retirement planning mistakes include underestimating taxes, ignoring inflation, and not coordinating investments with income needs.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for mistake-proofing.

Quick Answer: Protecting your legacy starts with proper estate and tax planning. The goal is to transfer wealth efficiently while reducing potential tax burdens for heirs.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for legacy planning.

Quick Answer: A market downturn early in retirement can impact your portfolio more than at any other time. Having a diversified plan with stable income sources is aimed at helping reduce that risk.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for crash protection.

Quick Answer: Preparing for higher healthcare and insurance costs means estimating future expenses, planning for Medicare gaps, and considering long-term care coverage options.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for cost prep.

Quick Answer: Paying off your mortgage before retirement can reduce monthly expenses — but it’s not always the best move. The decision depends on interest rates, liquidity, and overall financial goals.

By Christopher J. Dixon, RFC, Oxford Advisory Group | Full guide coming soon—contact us for mortgage advice.