Financial planners typically recommend retirees replace around 70% to 80% of their preretirement income. But as your retirement date ticks closer and you contemplate where that money will come from, that recommendation may be nerve-racking.

Most likely, you're planning to fund your golden years through a combination of Social Security and withdrawals from retirement accounts, like your 401(k) or individual retirement account (IRA). But what happens if these funding sources still leave you with a shortfall?

Here are five sources of retirement income you may not have considered.

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Source Fool.com