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Dont let the weather turn withthese financial loose ends still untied.

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Most retirees vastly underestimate their expenses in retirement.

Budget realistically for costs like housing, transportation, food and entertainment.

Review your insurance coverage and adjust as needed, said Tigner.

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Many retirees let policies lapse or carry inappropriate amounts of coverage.

Your nest egg will thank you when you finally take the plunge.

The additional catchup amounts for those over 50 provide significant returns over time.

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Ensure your portfolio matches your income needs, said Fitch.

Many have unsuitable allocations years into retirement.

They operate in both the digital space and the real world and are always changing tactics.

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Dont fall for scams, said Les Perlson ofNPA Benefits,an expert in retirement and late-life insurance coverage.

Reputable companies dont ask forfees or paymentsupfront for services.

When in doubt, verify offers independently before providing personal information or sending money.

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