--- title: Ring in 2020 with These 4 Retirement Tips description: Retirement doesn't have to be as complicated as it seems. These four tips from experienced Heyday contributors are a great place to create (or revise) your strategy. image: https://www.heydayretirement.com/hubfs/boom_t20_BAG4Q9.jpg --- [![Heyday Retirement](https://www.heydayretirement.com/hubfs/Feb-2018/Header-footer/heyday-logo.svg "Heyday Retirement")](https://www.heydayretirement.com) - Why Heyday? - [Features](https://www.heydayretirement.com/features) - [Clients](https://www.heydayretirement.com/featured-clients) - [Security](https://www.heydayretirement.com/security) - Solutions For Retirees - [Concern About Volatile Markets](https://www.heydayretirement.com/volatile-markets) - [Getting Income Now with Security](https://www.heydayretirement.com/income-and-security) - [Planning for Surviving Spouse](https://www.heydayretirement.com/surviving-spouse) - [Plan How Much You Can Safely Spend](https://www.heydayretirement.com/safe-spending) - [Create Annuity Income](https://www.heydayretirement.com/annuity-income) - [Decide When You Can Retire](https://www.heydayretirement.com/retire-now-or-wait) - Resources - [Free Guidebooks](https://www.heydayretirement.com/retirement-guides) - [Free Videos](https://www.heydayretirement.com/online-retirement-workshops) - [Retirement Magazine](https://www.heydayretirement.com/heyday-blogs) - [Heyday Contributors](https://www.heydayretirement.com/about-our-contributors) - [Pricing](https://www.heydayretirement.com/pricing) - [The Heyday Approach](https://www.heydayretirement.com/the-heyday-retirement-income-strategy) - [About Us](https://www.heydayretirement.com/about-us) - [Contact](https://www.heydayretirement.com/contact-us) - [Sign In](https://app.heydayretirement.com) - [Book Your Appointment](https://www.heydayretirement.com/schedule-your-intro-meeting) - [Retirement income planning (44)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-income-planning) - [Retirement strategy (40)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-strategy) - [Retirement living (19)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-living) - [Articles & news (6)](https://www.heydayretirement.com/heyday-blogs/tag/articles-news) - [Articles & news (6)](https://www.heydayretirement.com/heyday-blogs/tag/articles-news) - [Retirement income planning (44)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-income-planning) - [Retirement living (19)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-living) - [Retirement strategy (40)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-strategy) # Ring in 2020 with These 4 Retirement Tips Share on Twitter Share on Facebook [![](https://www.heydayretirement.com/hubfs/boom_t20_BAG4Q9.jpg)](https://www.heydayretirement.com/heyday-blogs/ring-in-2020-with-these-retirement-tips) As 2019 comes to a close, we wanted to leave you with some of our favorite retirement insights from Heyday Contributors on a range of topics. ### Simplifying and Securing Retirement   [![Tom Hegna, 4 Steps to Help Secure Your Retirement](https://www.heydayretirement.com/hs-fs/hubfs/1-12.jpg?width=940&name=1-12.jpg)](https://www.heydayretirement.com/workshop-help-secure-retirement)   In his on-demand workshop, [*4 Steps to Help Secure Your Retirement*](https://www.heydayretirement.com/workshop-help-secure-retirement), Tom Hegna explains how he studied what several scholars had to say about retirement strategy. His research is based on math and science. His conclusion? There aren’t 50 optimal ways to retire… For many retirees, there’s really only one: creating guaranteed lifetime income.  To learn how you can help minimize risk and maximize your retirement, watch this informative video presentation.  [![Watch Now](https://no-cache.hubspot.com/cta/default/3782765/5fff2b3c-a46e-43db-a5d2-b60eb4ab58c5.png)](https://cta-redirect.hubspot.com/cta/redirect/3782765/5fff2b3c-a46e-43db-a5d2-b60eb4ab58c5)   ### Retirement Risks   [![Dr. Moshe Milevsky, 7 Most Important Equations for Your Retirement](https://www.heydayretirement.com/hubfs/2-5.jpg)](https://www.heydayretirement.com/workshop-important-retirement-equations)   Two of the biggest unknowns (and potentially biggest risks) in retirement are [how long you will live](https://www.heydayretirement.com/guidebook-longevity-risk-and-retirement) and how long your nest egg will last. Because no one can predict either outcome, retirees should consider creating an income plan guaranteed to generate a predictable income in retirement whether the market is up or down — even if they live to 100+.  To learn more about planning for these two potentially monumental risks and more, watch this on-demand video hosted by Dr. Milevsky, [*The 7 Most Important Equations for Your Retirement*](https://www.heydayretirement.com/workshop-important-retirement-equations). [![Watch Now](https://no-cache.hubspot.com/cta/default/3782765/2b33fe6e-4e74-48b2-be13-361281591304.png)](https://cta-redirect.hubspot.com/cta/redirect/3782765/2b33fe6e-4e74-48b2-be13-361281591304)   ### Women in Retirement   [![Cindy Collins, Women and Retirement](https://www.heydayretirement.com/hubfs/3-4.jpg)](https://www.heydayretirement.com/workshop-women-and-retirement)   [Women may face additional challenges in retirement](https://www.heydayretirement.com/guidebook-women-in-retirement), including living longer. Whether you have a spouse or not, there may be a good chance the average woman will spend some of her retirement years alone.  Helping to plan ahead for a reduced income in retirement can make a significant difference in your lifestyle should something happen to your spouse. To learn more, watch Mrs. Collins’ on-demand workshop, [*Women and Retirement: What You Need to Know to Help Take Control*](https://www.heydayretirement.com/workshop-women-and-retirement)*.* *[![Watch Now](https://no-cache.hubspot.com/cta/default/3782765/223b4ac9-a7e2-4c6c-8cad-939ad8bb93a7.png)](https://cta-redirect.hubspot.com/cta/redirect/3782765/223b4ac9-a7e2-4c6c-8cad-939ad8bb93a7)* ### Conventional Retirement Wisdom   [![Dr. David Babbel, A Conservative Approach to Funding Retirement](https://www.heydayretirement.com/hs-fs/hubfs/TOM%20HEGNA%20AUTHOR%2c%20PAYCHECKS%20AND%20PLAYCHECKS.jpg?width=752&name=TOM%20HEGNA%20AUTHOR%2c%20PAYCHECKS%20AND%20PLAYCHECKS.jpg)](https://www.heydayretirement.com/workshop-conservative-retirement-approach)   Many retirees have heard the conventional wisdom that stocks perform better in the long run. However, that common viewpoint could do many a disservice when it comes to making their retirement savings last as long as they need it to. According to [research by Dr. Babbel](https://www.heydayretirement.com/workshop-conservative-retirement-approach), the average stock investor typically earns only about *half* of what the stock indices show due to: - Sub-optimal timing - Sub-optimal selection - Excessing trading - Trading costs - Taxes - Reverse dollar cost averaging To hear Dr. Babbel explain these risks and other steps you can take to help secure your future, watch this on-demand presentation, [*A Conservative Approach to Funding Retirement*](https://www.heydayretirement.com/workshop-conservative-retirement-approach). [![Watch Now](https://no-cache.hubspot.com/cta/default/3782765/1d3fa533-f379-4c14-a775-31bfc7dfdfaf.png)](https://cta-redirect.hubspot.com/cta/redirect/3782765/1d3fa533-f379-4c14-a775-31bfc7dfdfaf) We hope you enjoy this roundup of our favorite retirement tips! 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