Research
Research library
Research worth an advisor's time from research firms, asset managers, regulators, central banks, academics and think tanks, each with a short summary in our own words, plus AdvisorIQ's own analysis.
As of Oct 8, 2026, the library lists 5 pieces from think tanks on retirement income.
Titles marked with an arrow open on the publisher's site. How we choose.
Retirement income
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Restoring lifetime income to retirement plans as the default (opens brookings.edu)
The authors propose making partial annuitization the default payout in defined contribution plans, converting a share of larger balances into lifetime income unless the retiree opts out. They note only about 10% of such plans offer lifetime income options, and discuss why employers and retirees rarely choose it today.
Topic: Retirement incomebrookings.edu
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The Latest Projections from the Congressional Budget Office on Social Security Finances and Distribution of Benefits and Taxes (opens aei.org)
An AEI scholar summarizes CBO's 2026 long-term Social Security projections, which put the cut needed at trust fund exhaustion in 2032 at 26%, larger than the Trustees' 22%. He walks through CBO's lifetime benefit-to-tax ratios by birth year and earnings, and discusses means-testing benefits as one possible response.
Topic: Retirement incomeaei.org
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Analysis of the 2026 Social Security Trustees' Report (opens crfb.org)
CRFB summarizes the 2026 Trustees' Report: the retirement trust fund is projected to run out in 2032, triggering a 22% benefit cut, and the 75-year shortfall grew to 4.42% of payroll. It attributes most of the deterioration to lower fertility and immigration assumptions and part to the 2025 law's reduced revenue from taxing benefits.
Topic: Retirement incomecrfb.org
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How Annuities Could Improve Retirement Security amid Economic Uncertainty (opens urban.org)
Urban Institute researchers trace annuity ownership from 1989 to 2022 using Federal Reserve survey data. Annuity holders 50 and older had median net worth of $938,300 in 2022, more than twice that of nonholders, ownership peaked in 2004, and the authors cite fees, complexity and low awareness as lasting barriers.
Topic: Retirement incomeurban.org
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Social Security and Medicare Lifetime Benefits and Taxes: 2025 (opens urban.org)
The annual update of lifetime Social Security and Medicare benefits and payroll taxes for hypothetical workers by earnings and marital status. An average-wage single man retiring at 65 in 2025 is estimated to receive about $753,000 in lifetime benefits and a woman with the same earnings about $843,000, in 2025 dollars.
Topic: Retirement incomeurban.org
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