You'll spend decades saving for retirement. But living the life you envision when you're actually in retirement takes more than setting aside a certain amount of money during your working years.

That may get you to retirement, but you also have to get through retirement—by making sure your money will last as long as you do. And that means taking steps today to minimize the six most common risks that can impact your financial security in retirement.

The first risk is longevity. People are living longer and longer. Unless you're realistic about how long you may actually live, you may be putting yourself at risk of outliving your retirement savings.

The second risk is market volatility. No one can predict the ups and downs of the market. But poor and even flat market performance, especially early in retirement, can significantly impact how long your money will last.

Next is inflation and taxes. Both can have an enormous impact on your purchasing power. For example, with an inflation rate of 4 percent, the purchasing power of $100,000 today will be nearly cut in half in just 15 years. And with taxes, all the money you've been putting away in tax-deferred accounts will be subject to tax when you begin taking withdrawals in retirement.

The fourth risk is health care. Most people assume they'll be covered by Medicare—but it actually covers only a portion of your health care expenses and does not cover dental, vision or hearing costs. And that's not all; heath care costs are rising faster than the overall rate of inflation in the U.S. But, as high as health care costs are, they don't include the potential need for long-term care—a fifth risk to your retirement income.

Someone turning 65 today has an almost 70 percent chance of needing some type of long-term care in his or her lifetime. And those services are typically not covered by Medicare, Medicaid or even health insurance.

That brings us to the sixth and final risk … leaving a legacy. By planning now for what you want to leave to your loved ones or charities, you'll be giving yourself permission to spend the money you've worked so hard to save and enjoy yourself in retirement.

So take the first step today to minimize the six most common risks that can impact your financial security in retirement. Create a personalized retirement income plan with an experienced financial partner who understands these risks and how to plan for them … so you can feel confident that in retirement your money will last as long as you do.