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Retirement Is Like A Box Of Chocolates… You Never Know What’s Inside

Todd D. Heckman

Although “retirement income planning” has become a piece of common jargon in the financial industry, it’s not actually a great description of what’s really going on, or what you need. When people retire, their earned income typically plummets from something they are accustomed to live on, to something closer to zero.  So they do need to replace that income in some fashion. For most people, Social Security does at least part of the job.  Many people also have a pension from recent or past employment,...

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