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FA Center: When it comes to retirement, a dream isn’t a plan

Most people dream about how they might spend their retirement days.

For many, this special time of life represents unstructured freedom; they have yearned for, to do as they please, when they no longer have to answer to an employer. So why is it that the vast majority of people won’t be financially prepared to live a comfortable and financially predictable life, for the 10 to 35 years, they will be living without earned income?

The answer is lack of proper planning. Most people spend more time planning a vacation than they do planning for their retirement.

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