{"id":11938,"date":"2026-07-08T18:45:26","date_gmt":"2026-07-08T23:45:26","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=11938"},"modified":"2026-08-07T11:55:49","modified_gmt":"2026-08-07T16:55:49","slug":"saving-for-retirement","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/saving-for-retirement\/","title":{"rendered":"The Retirement Assumption That Could Leave You Short"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11938\" class=\"elementor elementor-11938\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6b14805 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"6b14805\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2aeb653a ae-bg-gallery-type-default\" data-id=\"2aeb653a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d0c5416 elementor-widget elementor-widget-heading\" data-id=\"6d0c5416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What's not enough\u2014and what to do about it.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-773c2f63 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"773c2f63\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-618cc77d ae-bg-gallery-type-default\" data-id=\"618cc77d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e351900 elementor-widget elementor-widget-text-editor\" data-id=\"6e351900\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key Takeaways<\/strong><\/p><ul><li>A safe withdrawal rate helps you estimate the amount of money you can withdraw each year in retirement without depleting your savings.<\/li><li>The SECURE Act gives taxpayers additional benefits for saving in retirement plans.<\/li><li>With compounding interest, you earn interest on both the money you\u2019ve saved and the interest you earn. The sooner money is put to work, the sooner it compounds.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-257f43af elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"257f43af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23fb2d0a ae-bg-gallery-type-default\" data-id=\"23fb2d0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d44c229 elementor-widget elementor-widget-text-editor\" data-id=\"3d44c229\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Sometimes, saving for retirement is an afterthought. There is no shortage of things to spend our money on today: food, <\/span>living expenses, education, entertainment, vacations and even philanthropy. Of course, saving for retirement is a priority we all claim, but so often, it tends to be prioritized after the spending has been done.<\/p><p>While many dentists recognize the importance of saving, more than 50% of <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/dentists-top-financial-worry\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Incisal Edge\u2019s 2025-26 Dentist Survey<\/span><\/a> respondents said insufficient cash flow is the greatest barrier to saving. While some practice owners are relying on a practice sale or social security to help fund their retirement, experience has shown that these two tactics likely won\u2019t get you there.\u00a0<\/p><p><a href=\"https:\/\/www.cainwatters.com\/justin-fry\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\"><span style=\"text-decoration: underline; color: #33cccc;\">CPA Justin Fry<\/span><\/span><\/a><span data-contrast=\"auto\"> says many individuals approach saving in a reactive manner, allocating funds toward retirement only after meeting current spending demands.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-59334dcd elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"59334dcd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b7d9839 blue-box ae-bg-gallery-type-default\" data-id=\"3b7d9839\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-365ab878 elementor-widget elementor-widget-text-editor\" data-id=\"365ab878\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">\u201cWhen it comes to saving, many people save what is left <\/span><\/span><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">after<\/span><\/span><em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"> <span class=\"NormalTextRun SCXW72522383 BCX8\">s<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">pending<\/span><\/span><\/em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">,\u201d Justin says. <\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">\u201cR<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">ather than what we should <\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">be doing<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">, which is s<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">pending what is left <\/span><\/span><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">after<\/span> <\/span><em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">saving<\/span><\/span><\/em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">.<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">\u201d<\/span><\/span><span class=\"EOP SCXW72522383 BCX8\" data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-5da35752 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"5da35752\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43d0fabb ae-bg-gallery-type-default\" data-id=\"43d0fabb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9295f elementor-widget elementor-widget-text-editor\" data-id=\"9295f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Understanding What Your Savings Must Support<\/strong><\/h5><p>A simple way to evaluate your savings is to use a 5% safe withdrawal rate, which helps estimate how much you could take out each year in retirement. Under this framework:<\/p><ul><li>A $1.46 million retirement portfolio, the ideal target cited in a Northwestern Mutual survey, would provide about $73,000 per year.<\/li><li>That is equivalent to $6,083 per month.<\/li><\/ul><p>For some households, this level of income in retirement may not fully support the desired standard of living.<\/p><h5><strong>A Practical Framework for Improving Retirement Outcomes<\/strong><\/h5><p>One of the most important distinctions between those who make consistent progress toward retirement goals and those who fall behind isn&#8217;t income level. It is behavior.<\/p><p>This shift, while simple in principle, establishes a structured approach and the discipline necessary to build meaningful long-term assets:<\/p><p><strong>1. Make Saving a Priority<\/strong><\/p><p>Treat retirement contributions as a required allocation rather than a discretionary expense. Consistency is the primary driver of progress.<\/p><p><strong>2. Fully Utilize Available Legislative Advantages<\/strong><\/p><p>While Social Security was created to supplement retirement, it is not designed to function as a primary income source. On their website, the Social Security Administration (SSA) predicts that by 2035, taxes may cover only 75% of scheduled benefits.<\/p><p>\u201cThe SSA is making it very clear that Americans need to save for retirement on their own,\u201d says Justin.<\/p><p>That is where the Setting Every Community Up for Retirement Enhancement (SECURE) Act and SECURE 2.0 come in, which incentivize Americans to set up retirement plans with benefits such as expanded IRA contribution eligibility and more flexibility for 529 accounts.<\/p><p>The federal government also recently launched <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/building-retirement-savings-from-birth\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Trump Accounts<\/span><\/a>, which are long-term, tax-advantaged investment accounts for children.\u00a0<\/p><p><strong>3. Leverage the Impact of Compounding<\/strong><\/p><p>Time remains one of the most valuable assets in financial planning. Early and consistent contributions allow compounding interest to significantly increase portfolio growth over time.<\/p><p><strong>4. Develop a Forward-Looking Income Strategy<\/strong><\/p><p>Effective retirement planning requires more than accumulation. It requires clarity around income.<\/p><p>A comprehensive approach includes:<\/p><ul><li>A plan for how much to withdraw each year so you can enjoy your savings and make it last<\/li><li>Realistic Social Security assumptions<\/li><li>Consideration of additional income sources where applicable<\/li><\/ul><h5><strong>From Uncertainty to Clarity<\/strong><\/h5><p>With a disciplined, structured approach to saving, the shift is measurable.<\/p><p><strong>Without a Plan:<\/strong><\/p><ul><li>Irregular or insufficient contributions<\/li><li>Limited visibility into future income<\/li><li>Reliance on general assumptions rather than specific planning<\/li><\/ul><p><strong>With a Structured Plan:<\/strong><\/p><ul><li>Consistent, prioritized savings behavior<\/li><li>Improved clarity around retirement income projections<\/li><li>Increased confidence and financial control<\/li><\/ul><p>The responsibility for retirement readiness has shifted toward the individual. At the same time, new planning tools and legislative changes have created opportunities for those who take a proactive approach.<\/p><p>Developing an effective retirement strategy requires both structure and informed decision-making. Our team can work with you to assess where you are, identify planning gaps and implement strategies to get you where you want to be. <a href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\"><span style=\"text-decoration: underline; color: #33cccc;\">Schdule a complimentary consultation today<\/span><\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\"> \u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-3dc972f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"3dc972f9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3049b810 ae-bg-gallery-type-default\" data-id=\"3049b810\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What&#8217;s not enough\u2014and what to do about it. Key Takeaways A safe withdrawal rate helps you estimate the amount of money you can withdraw each year in retirement without depleting your savings. The SECURE Act gives taxpayers additional benefits for saving in retirement plans. With compounding interest, you earn interest on both the money you\u2019ve [&hellip;]<\/p>\n","protected":false},"author":62,"featured_media":12746,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_ppma_block_editor_authors":""},"categories":[16,41,18],"tags":[],"ppma_author":[177],"class_list":["post-11938","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-financial-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Retirement Assumption That Could Leave You Short | CWA<\/title>\n<meta name=\"description\" content=\"No matter your age, understanding how much you will need to retire comfortably is key. Our advisor offers a framework to help you build your nest egg and make it last.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/saving-for-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Retirement Assumption That Could Leave You Short | CWA\" \/>\n<meta property=\"og:description\" content=\"No matter your age, understanding how much you will need to retire comfortably is key. Our advisor offers a framework to help you build your nest egg and make it last.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/saving-for-retirement\/\" \/>\n<meta property=\"og:site_name\" content=\"Cain Watters Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-08T23:45:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-07T16:55:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2024\/11\/1200x630.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Justin Fry\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Justin Fry\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/\"},\"author\":{\"name\":\"Justin Fry\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/303d4669ac1b19dbdd01ee5dc858794b\"},\"headline\":\"The Retirement Assumption That Could Leave You Short\",\"datePublished\":\"2026-07-08T23:45:26+00:00\",\"dateModified\":\"2026-08-07T16:55:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/\"},\"wordCount\":720,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/11\\\/1200x630.jpg\",\"articleSection\":[\"Digital News Feature\",\"Featured\",\"Financial Planning\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/\",\"url\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/\",\"name\":\"The Retirement Assumption That Could Leave You Short | CWA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/saving-for-retirement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/11\\\/1200x630.jpg\",\"datePublished\":\"2026-07-08T23:45:26+00:00\",\"dateModified\":\"2026-08-07T16:55:49+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/303d4669ac1b19dbdd01ee5dc858794b\"},\"description\":\"No matter your age, understanding how much you will need to retire comfortably is key. 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