If you've saved for when you’re older, or already enjoying the benefits of your hard work, you want a financial plan flexible enough to change as your life does.

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The idea of retirement has shifted as people are living longer.

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Even with a good plan mistakes are possible, which can be costly.  To avoid those mistakes, you need to know how to define YOUR retirement plan.

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• Retirement plans need to be revised

• Make sure you have reasonable retirement goals

• Prepare for health care costs 

• Consider the possibility you may need long-term care

• Be sure to have sufficient savings

• You may need to update your retirement plan