Retirement Reality with Ben Millan

Ben Millan pulled back the curtain on what most financial advisors won't tell you about retirement planning. After pivoting his practice to focus exclusively on seniors during COVID, he developed a contrarian philosophy: forget the famous 4% rule and chasing a magic dollar amount. The only number that matters is your income gap, the difference between your guaranteed monthly income (Social Security, pension) and what you actually need to live on. Joe and Ben covered why annuities have been unfairly demonized (Social Security is technically the most common annuity in America), how to properly structure indexed universal life insurance as "the rich man's Roth," why 95% of advisors don't know how to set these products up correctly, and the brutal math of why putting away less than 10% of your income mathematically guarantees you won't retire well. #incomegap #retirementplanning # stressfreeretirement #measuringwhatmatters #themeasuringpost #seniorfinances