Will Social Security Be Enough?How to Fill the Gap With Guaranteed Retirement Income

The average Social Security benefit pays about $2,071/month. Most retirees need $3,500–$5,500/month to maintain their lifestyle. That gap — often $1,500 to $3,000 per month — is the single biggest financial risk in retirement. This guide shows you exactly how to measure your gap and how a guaranteed annuity income stream can cover it for as long as you live.

8 min read Updated March 2026

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