Building your longevity action plan — one step at a time

As you plan for retirement and consider your next phase of life, have you given serious thought to how many years you may be planning for? For many people, retirement could last 25 to 30 years or more. Americans are living longer than ever, and half believe it’s possible they could live to age 100.¹ How have you factored longevity into your plan for the second half of life?

Our Longevity Action Planner helps bring clarity around actions you can begin taking immediately toward achieving a fulfilling and financially secure retirement, no matter how long your retirement lasts. This guide is designed to help you think through your longevity in a way that feels clear, easy to manage, and not overwhelming.

It starts with helping you focus on key areas, ask the right questions, and take small, intentional steps forward — one at a time.

Together, these 10 areas form core building blocks that research and experience show are essential to a well‑lived, fulfilling, and well-rounded retirement. You can use the planner on your own or work through it with a spouse, partner, or trusted family friend. It can also help inform and complement conversations with your financial professional.

Getting started is simple:

• Choose one or two areas that feel most relevant to you right now.

• Note specific questions or ideas you want to explore further.

• Bring those notes into a conversation — with someone you trust or your financial professional.

A look inside

Here’s a preview of the key areas and related actions you’ll find in the guide:

1. Giving thought to your own longevity

• What’s inside: Helps you reflect on what a longer life could realistically look like for you — and how family history, expectations, and mindset shape your planning.

• Example action: Talk with a retired family member or friend about what surprised them most about retirement — and what they wish they’d planned for earlier.

2. Meeting longevity needs head-on

• What’s inside: Brings focus to your longevity concerns — from health to independence to finances — and helps you consider proactive steps to address them early.

• Example action: Write down your top three concerns about living a long life and choose one small step you could take this month to address one of them.

3. Timing your retirement — and how you’ll live

• What’s inside: Encourages you to look beyond just when you might retire and consider what your days, weeks, and sense of purpose could look like afterward.

• Example action: Sketch out what an ideal week in retirement might look like, including work, rest, social time, and activities you enjoy.

4. Deciding where you’ll live

• What’s inside: Helps you think through whether you want to stay put, downsize, relocate, or modify your home to support aging in place.

• Example action: Research one community — or one home modification — that could make your current or future living situation work better long term.

5. Finding purpose and connection

• What’s inside: Focuses on staying socially engaged, mentally stimulated, and connected once work becomes less central to daily life.

• Example action: Identify one hobby, volunteer opportunity, or learning goal you’d like to explore and take one step toward trying it.

6. Funding a longer life

• What’s inside: Walks you through key questions to consider as you move from saving for retirement to turning your savings into retirement income.

• Example action: List your expected income sources in retirement and talk to your financial professional about a strategy for creating predictable, lasting income from your savings.

7. Preparing for healthcare costs

• What’s inside: Breaks down important Medicare decisions, out-of-pocket healthcare expenses, and ways to plan ahead for the healthcare costs you may encounter.

• Example action: Talk to a financial professional about a strategy for covering your ongoing healthcare costs in retirement.

8. Planning for care and support in your later years

• What’s inside: Encourages early conversations about care preferences, care arrangements, and how care might be funded if needed.

• Example action: Share your care preferences with a spouse, partner, or adult child — even if decisions feel far off.

9. Leaving a legacy

• What’s inside: Helps clarify what “legacy” means to you — whether that’s supporting loved ones, giving to causes you care about, or both.

• Example action: Ask your financial professional about ways to help support your goals for loved ones or charitable giving.

10. Maintaining your health and wellness

• What’s inside: Emphasizes physical, cognitive, and social health as essential pillars of longevity — not afterthoughts.

• Example action: Choose one small habit to start this month, such as walking more, prioritizing sleep, or spending more time with friends.
   

Achieving a fulfilling retirement, no matter how long you live, doesn’t require having everything figured out today — we know that’s not possible, especially as our lives change over time.

Progress happens, though, by beginning with a single conversation, a thoughtful question, and a small step forward. Over time, actions add up — turning uncertainty into direction and intentions into plans.

That’s where the Longevity Action Planner comes in.
 

Download Your Longevity Action Plan to begin exploring what a longer, more fulfilling future could look like — and how to take the next steps with confidence.

¹2025 Corebridge Financial Living and Funding Longer Lives Study.

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