Did you take Social Security early? Did you look at all of the Social Security options available to you? Did you think that inflation would remain low, or not have an impact on your retirement? Did you think you would live a shorter life? These are all factors that are too optimistic, in one direction or the other, and detrimental to your retirement. Many retirees spend a lot in the early years of retirement believing that some of the points I have just listed would not apply to them. Through planning we can estimate inflation, we look at life expectancies, and all of the Social Security options available. Generally, we err on the side of caution. If we are wrong, it falls in our clients’ favor. The question becomes as simple as did you fail to plan.

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