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

APS Financial’s new report identifies the top 10 retirement concerns for 2025, helping retirees protect income, grow wealth, and leave a lasting family legacy.

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.