City retirement risk
McAllen, TX
City-level retirement risk view for McAllen, Texas. We highlight directional pressure across longevity, sequence, inflation, healthcare/LTC, tax, and housing. Run the assessment to tailor it to your timing, assets, housing status, and health.
Population (approx): 810,034
Directional view based on public signals for this city. Scoring refines automatically as new state/city data releases publish.
Longevity horizon: ~18.8 years remaining (age 65, overall)
Risk pillars
Signals are directional, not adviceLongevity risk
Remaining life expectancy ~18.8 years at age 65; plan for a 84+ horizon.
Why it matters: If you outlive your current plan, every other risk gets harder. A longer horizon amplifies sequence risk, inflation drag, healthcare/LTC costs, and housing/tax exposure.
~18.8 years remaining (age 65, overall)
Read the explainerMarket & sequence risk
Sequence-of-returns risk matters most near retirement; keep a cash buffer.
Why it matters: Timing matters: a bad market in your first decade of retirement can derail a plan even if long-run averages look fine. Your score weights early-sequence stress and local cost pr…
Read the explainerInflation risk
Regional cost pressure can erode fixed income; model real spending paths.
Why it matters: Inflation eats purchasing power. If your area runs hotter than national averages, fixed income erodes faster and withdrawals rise.
Read the explainerHealthcare & LTC risk
Medicare timing, OOP caps, and LTC likelihood drive variability.
Why it matters: Coverage gaps, medical inflation, and late-life care can blow up a budget. Location affects premiums, access, and LTC pricing.
Read the explainerTax risk
Federal + state brackets, RMD timing, and IRMAA shape after-tax income.
Why it matters: Taxes, RMD timing, and IRMAA shape your after-tax income. Location matters for net withdrawals over decades.
Read the explainerHousing & location risk
Property taxes, insurance, and local policy shifts influence net costs.
Why it matters: Housing, insurance, utilities, and property taxes can climb faster than expected. Location pressure raises your fixed costs and withdrawal needs.
Read the explainerNext steps
Scores stay fresh as new data releases publish. Use the assessment to add your timing, assets, housing, and health for a tailored view; any referrals remain opt-in.
Guardrails
- • Educational, not advice or promises.
- • Public, defensible sources only.
- • No fear or urgency framing.
- • No forced calls; opt-in only if referrals ever appear.
- • Trust and clarity over volume.