Services Retirement: then and now Just a generation ago, many Americans retired with at least two sources of income: employer pensions and Social Security. Most retirees received income for as long as they lived, and their Social Security benefits increased periodically to adjust for inflation. But that was then.Today, most Americans no longer have employer-sponsored pensions. And because the future of Social Security is uncertain, Americans are increasingly responsible for funding their own retirement. That’s why it’s so important to have an income strategy for your retirement. How can we help? At Fredette Insurance services we specialize in retirement income for those nearing or currently in retirement. We focus on addressing the retirement risks and creating retirement plans with an emphasis on tax efficiency and guaranteed lifetime income. Have a Question Name Email Question Thank you! Oops!