A 4-minute video · For anyone retired or getting close

Will your savings last as long as you do?

You spent forty years climbing. The way down is where most accidents happen. Here are the five risks that show up after the paychecks stop, and how to plan for each one.

4:13 · captions on screenMike Milne & John Moody · Ocala Capital

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A written plan built on your own numbers. No cost, no obligation.

What the video covers

Five risks on the way down

Saving was the climb. Turning savings into income that lasts the rest of your life is the descent.

3 in 4

Living longer than your money

Chance that at least one of a healthy 65-year-old couple reaches 90.

Timing

A bad market at the wrong time

A downturn early in retirement, while you're withdrawing, can do lasting damage.

~70%

The cost of care

Chance someone turning 65 needs long-term care. A private nursing home room: $129,575 a year.

$90K

Inflation

What $50,000 a year of spending becomes after 20 years at 3% inflation.

Order

Taxes

Which accounts you draw from, and when, changes how much you keep.

Sources: J.P. Morgan Asset Management, Guide to Retirement (healthy, non-smoking 65-year-old couples); Administration for Community Living (acl.gov); CareScout 2025 Cost of Care Survey, national median, private room. Inflation figure is hypothetical: $50,000 grown at 3% a year for 20 years = $90,306.

Your Safe Descent Plan

A plan for the way down, built on your numbers

Answer a few easy questions. Then sit down with Mike and John, in person or on Zoom, and walk through it together.

Income that lasts

How long your savings, Social Security and pension can carry you, year by year.

All five risks, checked

Longevity, market timing, cost of care, inflation and taxes, looked at together.

One coordinated look

Investments, taxes, insurance, Medicare and estate decisions in the same conversation.

✓

Yours to keep

A written summary of what they'd address first, whether you hire them or not.

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About 4 minutes. Most questions are one tap.

Your guides for the descent

Two local advisors, one plan

Founder

Mike Milne

Advising since 1986
Veteran; founded Ocala Capital in 2004
Guided clients through 1987, the dot-com bust, 2008 and 2020

Partner

John Moody

Ocala native; family in Marion County since the mid-1800s
Retirement income: turning savings into a dependable paycheck
Medicare and insurance options that fit the plan

Fiduciary isn't a style. It's a legal standard.

Ocala Capital is an independent Registered Investment Adviser. Recommendations have to serve your interests. No proprietary products, and no sales quotas.