Retirement has, in recent years, begun to take on new meanings. These days, it’s not uncommon for retirees to enjoy two or even three decades of retirement, with life expectancy running longer and many people retiring early thanks to careful planning. While it would be great to imagine retirement as one long, pleasant period, the reality is that you should prepare for six distinct phases of retirement during the early years. Each serves a purpose and makes way for the next ph

The fall is always a busy time, with Medicare open enrollment season running through early December. This year, we’ve noticed something as we assist our clients. An alarming number of them require long-term care but are unprepared for how little Medicare covers and how much they are going to have to spend on this expense. Unfortunately, they are not alone. A recent study by the American College of Financial Services found that just 31 percent of retirees and pre-retirees ages