Using rental real estate as a retirement income source

Not to be overlooked is direct ownership of rental property, according to Kristin Sullivan, CFP, owner of Sullivan Financial Planning in Denver.

“In the modeling for retirement income planning, I’ll often show the impact of keeping the rental property and using the income throughout retirement versus selling at some point in the future,” she said. “Realistically, most people won’t want to be landlords into their 80s, so it’s good to see how that change would affect the retirement plan.”


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