Retirement Expert Bill Losey Discusses Calculating How Much Retirement Income You Need

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new blog on the process of determining how much retirement income one needs to retire comfortably.

Saratoga Springs, NY. – March 8, 2012 – Bill Losey, author and retirement expert and advisor, recently wrote a blog urging readers to carefully plan how much retirement income they will need match their lifestyle needs and goals. With this blog, found on his website, titled “How Much Retirement Income Will You REALLY Need?” Bill touches on five important factors that can affect retirement income needs, including health, heredity, portfolio, spending habits and social security.

On spending habits Bill writes, “Do you only spend 70% of your salary? Probably not. If you’re like many Americans, you may spend as much as 90% or 95% of it. Will your spending habits change drastically once you retire? Again, probably not. Most people only change spending habits in response to economic necessity or in pursuit of new financial goals. People don’t want to ‘live on less’ once they have had ‘more’.”

On the subject of social security Bill remarks, “Will Social Security even exist by the time you’ve retired? A study from the Government Accounting Office brings this into sharp focus, stating that the long-lived program may start to run out of money by 2036 and may be broke by the end of that decade. Furthermore, the GAO suggests a 20% cut in benefits, due to increased longevity and lower employment. Even if SSI is still a going concern in 2040, it may be very slim pickings.”

To read the entire blog, please visit

Bill Losey launched his business seven years ago with one goal in mind – to offer advice and solutions to those planning for retirement.  This latest article is one of many helpful articles that Bill writes frequently to make planning for retirement seem less daunting and more achievable.

He is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies.  Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “The Facebook Frenzy Is Building. Should You Care?”, “Are People REALLY Retiring Later?”, and “Is Now The Time To Refinance Your Mortgage?,” among others.

Each issue of Bill Losey’s award-winning free weekly email newsletter, Retirement Intelligence®, reveals how-to-articles, secrets, investment ideas, a “Joke Of The Week”, fitness and diet tips, and promotes upcoming seminar dates to keep subscribers “in-the-know.”  Bill and his staff seek to provide informative and entertaining information readers can use to simply and confidently enhance their health, wealth and happiness.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website

To learn more about Bill Losey Retirement Solutions, please visit and

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Bill Losey, CFP®, caters to women and couples (age 50-70) who seek to reduce post-retirement risk and generate a predictable, sustainable, increasing stream of retirement income they won’t outlive.  As a qualified professional in the areas of retirement strategies, personal finance and investment management, Bill has been seen and heard on hundreds of TV and radio stations such as FOX News, NPR, CBS News, CNBC, Business Week, TIME, AARP, U.S. News & World Report, and Oprah & Friends.

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach.  He is the owner of Bill Losey Retirement Solutions, LLC, a fee-based registered investment advisory firm serving a small nationwide clientele.  Bill is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional and he publishes Retirement Intelligence®, a free, weekly, award-winning newsletter that reaches over 5,000 subscribers worldwide.  Formerly, Bill was the “resident retirement expert” on CNBC’s “On the Money” television program.

In his leisure time, Billy, as his friends call him, loves to sing.  He is an accomplished vocalist and has performed the National Anthem at Madison Square Garden, the Pepsi Arena, and other sporting venues.  Currently Bill is the lead singer of a vocal duo called The New York Lounge Lizards. He has been married for nearly 25 years to his wife Tori.  Together they have three sons, two dogs, and one fish.

Learn more at or by calling 518-581-1666.

Posted Under: Bill Losey