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Retirement & Estate Planning 

How do you see your golden years of retirement? Do you picture traveling? Spending time with friends and family? Enjoying hobbies? Beginning a new career?

When you start to plan for retirement, you need to think about different phases of your retirement life.

Early retirement occurs in the years just after you retire. Late retirement occurs closer to the end of your life when you may have more health concerns and start to slow down.

The middle retirement phase includes the years in between. Early and middle retirement are the more active phases. Late retirement occurs when life starts to slow down. Older adults may face disability due to arthritis, heart disease, stroke or some other physical condition. It's a good idea to be prepared for whatever may come your way.

Estate planning is arranging for the orderly transfer of your assets (property) following death.

The ideal estate plan minimizes taxes, expenses and delays, and assures that your assets reach intended heirs.

Your estate plan - or lack of one - determines who will inherit your property. If you own property, you need an estate plan. An estate plan is not a single document. It is an individualized plan based on your unique situations and circumstances and may include a will, trust, life insurance, or a change in method of property ownership.

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