Retirement Planning in Lansing, KS

Lucy Whitehead of Whitehead Financial helps Lansing, KS residents plan for retirement income, including explaining fixed index annuities and Social Security timing. She's an independent broker based in nearby Basehor, and there's no charge for her services.

With a median household income of $102,786 and about 15.7% of residents 65 or older (U.S. Census Bureau QuickFacts), Lansing has many households that have saved steadily and now want a plan for using those savings. A conversation with Lucy usually starts with the basics: what income you'll have from pensions and Social Security, what your savings need to cover and how long you want them to last.

Many Lansing residents work for schools, the city or the state. KPERS administers three statewide retirement benefit plans and helps virtually all Kansas public employers offer death, disability and retirement benefits (KPERS). If you're a public employee, Lucy can help you see how your KPERS benefit fits alongside your other savings, so you can plan for any income gaps rather than guessing.

Social Security can start as early as age 62, but benefits are reduced for each month before full retirement age, which is 67 for anyone born in 1960 or later (Social Security Administration). Lucy can also explain how fixed index annuities work, including principal protection, interest crediting and surrender periods, so you understand the trade-offs. She doesn't give tax or investment advice, and there's never a charge.

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