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Planning for retirement is more than financial planning. A holistic approach takes your health, long-term care, taxes, and social security into account.
Are you familiar with the spend-down laws of your state? If so, do you have a working plan to protect your assets and your estate?
Avoid the confusion of the Medicare system by working with a Medicare specialist. Working with a specialist is 100% free and saves you from a ton of headaches and potential penalties.