APS Financial Identifies Top 10 Retirement Concerns for 2025 in New Report

VIRGINIA BEACH, VA, UNITED STATES, June 4, 2025 /EINPresswire.com/ -- Millions of Americans are entering retirement in the midst of an increasingly complex financial environment. Rising inflation, market volatility, and shifting tax policies have introduced new challenges for retirees seeking to protect their life savings, create sustainable income, and leave a lasting legacy.

APS Financial, a Virginia-based retirement and income planning firm, has released a new report identifying the Top 10 Concerns Facing Retirees in 2025 — along with actionable strategies for addressing them.

"Retirees today face more uncertainty than ever before," said Charlie Doriguzzi, Retirement & Income Specialist at APS Financial. "Most are seeking more than just investment returns — they want true financial security, clarity, and peace of mind."

Top 10 Retirement Concerns in 2025
1️⃣ Outliving Retirement Savings
With increasing life expectancy and rising living costs, the risk of outliving retirement income has become one of the top concerns among retirees.

2️⃣ Inflation Eroding Purchasing Power
Persistently high inflation continues to reduce retirees’ purchasing power, creating challenges for maintaining lifestyle in retirement.

3️⃣ Market Volatility and Stock Market Downturns
Ongoing market volatility is a source of anxiety for retirees seeking to preserve capital and avoid losses during critical retirement years.

4️⃣ Escalating Healthcare and Long-Term Care Costs
Healthcare and long-term care costs continue to rise faster than inflation, placing a significant financial burden on retirees.

5️⃣ Uncertainty Surrounding Social Security Benefits
Concerns about potential future changes to Social Security create uncertainty regarding one of the key income sources for many retirees.

6️⃣ Increased Taxation of Retirement Income
Tax law changes at the federal and state level are increasing the taxation of retirement income, impacting net income for many retirees.

7️⃣ Lack of Guaranteed Lifetime Income
Many retirees lack access to guaranteed lifetime income solutions that can provide financial certainty beyond traditional market-based assets.

8️⃣ Inability to Leave a Family Legacy or Estate
Retirees frequently cite the desire to leave an inheritance or family legacy, but many lack effective estate planning strategies.

9️⃣ Complexity and Confusion Around Financial Products
The growing complexity of retirement products and strategies can leave retirees feeling confused and vulnerable to poor decision-making.

🔟 The Growing Threat of Scams Targeting Seniors
Financial scams targeting seniors are becoming more sophisticated, putting retiree assets and personal information at increased risk.

APS Financial’s Planning Approach
Through its Personalized Retirement Readiness Plan — offered at no cost — APS Financial provides strategies to help address these top concerns. The firm focuses on helping clients:

✅ Increase retirement income by up to 20%
✅ Create Guaranteed Direct Deposit Income for Life
✅ Participate in market gains while avoiding losses
✅ Access estate planning services including living wills
✅ Implement tax-free income strategies
✅ Navigate today’s complex retirement environment with expert, fiduciary guidance

"The goal is to help clients create protected, tax-efficient income streams they can never outlive — while also securing their family’s future," said Doriguzzi.

Core Planning Pillars
APS Financial’s approach is based on three pillars of retirement well-being:

✅ Income — Generating predictable, sustainable income throughout retirement
✅ Growth — Leveraging safe, tax-efficient strategies to support long-term asset growth
✅ Family Legacy — Implementing planning strategies to pass wealth to heirs while minimizing tax burdens and probate risks

Industry Trends & Outlook
According to APS Financial’s analysis, the retirement landscape will likely remain complex through 2025 and beyond. Proactive planning is becoming increasingly important.

"Many retirees are unaware of the risks they face — and the tools available to mitigate them," added Doriguzzi. "The key is education and transparent, client-first planning."

Availability of Report and Planning Services
Retirees and pre-retirees can download APS Financial’s full Retirement Guide and request a complimentary Personalized Retirement Readiness Plan through the firm’s website:

👉 https://apsfinancialinc.com

About APS Financial
Headquartered in Virginia Beach, VA, APS Financial is a premier retirement and income planning firm serving clients across Virginia and nationwide. The firm is dedicated to helping retirees maximize savings, secure guaranteed lifetime income, and protect family legacies.

APS Financial operates with a commitment to education, transparency, and fiduciary service, helping clients navigate today’s complex retirement planning environment.

Charlie Doriguzzi
APS Financial
+1 757-540-2445
email us here
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