MANAGING YOUR FINANCE

• Be Tax Efficient

• Focus on Creating Retirement Income

• Make Trade Offs — Know What is Important to You

• Funding for your home acquisition

• Have a Plan for Out of Pocket Health Expenses

• Keep Planning

• Create an income strategy

• Maintain a budget.

• Determine a withdrawal strategy that's right for you.

Financial Risk in Retirement

• Inflation, which can lower the spending value of the savings you are using to pay expenses

• Investment ups and downs, especially in the stock market

• Rising, often unexpected, medical and care giving expenses

• Living longer than expected, and longer than your financial plan supports