Inflation

:

The Silent Threat That Can Shrink Your Nest Egg

You saved. You invested. You planned.
But there’s one risk that keeps growing quietly in the background—inflation.

It doesn’t come with flashing warning signs.
It creeps in slowly, year by year… silently eroding the purchasing power of your retirement income.

At Stone Retirement, we help you build a plan that stands strong—not just today, but through decades of rising costs, economic change, and uncertainty.

What Is Inflation—And Why Should Retirees Care?

Inflation is the steady increase in the cost of living over time. What $1,000 buys today may only buy $750 in ten years—or less—if inflation is high.

For retirees living on a fixed income or drawing down from savings, this means:

Everyday expenses grow while income stays the same

Medical costs rise faster than expected

Your retirement savings lose value—without you even noticing at first

💡 A modest 3% annual inflation rate can cut your purchasing power in half in just 24 years.

5 Ways Inflation Impacts Retirement

1. Rising Cost of Essentials

Food, gas, utilities, insurance, and healthcare costs increase over time. If your retirement plan doesn’t factor this in, you may find your lifestyle slowly shrinking.

2. Fixed Incomes Stay… Fixed

If you rely on a pension or annuity that doesn’t have a cost-of-living adjustment (COLA), you’ll receive the same dollar amount—even as prices go up around you.

3. Healthcare Inflation Is Even Higher

Healthcare costs have historically outpaced general inflation. Long-term care, prescriptions, and insurance premiums can soar in your 70s and 80s.

4. Low Interest Rates Hurt Savers

In an inflationary environment with low interest rates, your savings may grow too slowly to keep up. Cash sitting in a bank account can quietly lose value.

5. Legacy Planning Gets Complicated

If you’re leaving an inheritance or planning a legacy gift, inflation can reduce its real value over time—unless it's strategically protected.

💡 How We Help You Plan for Inflation

At Stone Retirement, we build inflation-aware strategies to help your income, investments, and legacy maintain their value—no matter how long you live.

Here’s how:

✅ Income Layering Plans that grow with you
✅ Tax-aware withdrawal strategies to preserve value
✅ Diversified portfolios with inflation-resistant assets
✅ Social Security timing strategies to maximize COLAs
✅ Estate planning tools that protect purchasing power for heirs

❤️ Inflation-Proofing Isn’t Just Smart—It’s Loving

Your retirement should be about living fully, not worrying about every dollar spent.

We’ll help you create a strategy that’s built to weather the ups and downs of the economy, so you can focus on what matters most—your time, your family, your peace of mind.

🔷 Ready to Strengthen Your Retirement?

Take the first step with a complimentary strategy session.
Let’s talk about how to protect your retirement from inflation, taxes, and the unknown.