The six retirement risks, one guide at a time.
Each guide answers one question people ask Pete all the time, with real numbers and the rules as they stand in 2026.
Do you still need life insurance after you retire?
Often not to replace a paycheck. Often yes to protect the spouse who lives longer.
What is sequence of returns risk?
Why a bad market in your first years of retirement does far more damage than the same market later.
Required minimum distributions: when they start and how to plan for them
When RMDs start, how the first one is figured, and the moves to make in the years before.
What does long-term care cost in California and the Bay Area?
2025 costs for home care, assisted living and nursing homes, and who pays for what.
How much of your retirement income should be guaranteed?
Cover the essentials with income that does not depend on the market. Here is how to size it.
When should you claim Social Security?
62, 67 or 70: what each age does to your check, and why married couples should think about the survivor first.
Find out which of the six risks your plan leaves open.
It costs nothing and you are not signing up for anything. You talk with Pete himself, by phone or video, or in person at the Fremont office.
Rather call? (510) 396-4627