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An older couple plans their finances and looks forward to retirement.

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But not everyone thinks about it until its too late.

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We didnt have a full understanding of healthcare costs and tax implications, which ended up costing us.

This helps protect retirement savings from being depleted too quickly.

You live, you learn.

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It was an expensive lesson in being patient with those accounts.

Partnering with anexperienced financial plannercould have helped avoid costly mistakes and kept their money working smarter.

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