According to the Social Security Administration, if you are 65 you have a 25 percent chance of living to age 90 and a 10 percent chance of living to age 95. This means, not only do you need to have enough income to provide for your desired lifestyle at your retirement age, but that income…

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Throughout the financial planning process we must address numerous concerns. Is there ample liquidity? Is there a growth strategy? How can we mitigate risk? How can we create sufficient lifetime income? How can we plan for potential future long-term-care needs? How can we maximize the inheritance we leave our heirs? Finally, how can we reduce…

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Seven out of 10 Americans over the age of 65 will need some form of long-term care.* If you are very wealthy, you can probably afford the $41,000 per year for home health care or the $90,000 per year for a semi-private room in a nursing home.** Conversely if you are of modest means, you…

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