Explainers
Retirement risk explainers and methodology
Plain-English, data-backed explainers for the pillars that drive RetirementRiskIQ: longevity, sequence, inflation, healthcare/LTC, tax, and housing. Built for users who search broad retirement topics but want defensible, location-aware context.
What you’ll find
- • How each pillar is scored and normalized across states/cities.
- • Why public data sources matter (SSA, BLS, BEA, tax policy, county data).
- • Location-aware nuances users search for: Medicare gaps, IRMAA, inflation, housing.
Explainers
Data-backed, location-awareHow RetirementRiskIQ builds a location-aware retirement risk score
LiveWhat goes into the score, how we normalize across states and cities, and why we avoid false precision.
Longevity risk vs. spending runway
LiveWhy longer lifespans stretch retirement assets and how location factors into life expectancy and costs.
Sequence risk in early retirement
LiveWhy drawdowns in the first decade matter most and how local economic volatility affects sequence risk.
Inflation and location pressure
LiveHow regional price parities (RPP) and local cost trends affect real spending over a long retirement.
Healthcare and long-term care gaps
LiveWhy Medicare timing, coverage mix, and location drive late-retirement cash flow surprises.
Tax drag, RMD, and IRMAA by location
LiveHow state tax policy, RMD timing, and IRMAA shape after-tax income throughout retirement.
Housing and insurance as location risk
LiveWhy property taxes, homeowners insurance, and mobility options are core to retirement resilience.