Conservation Stage: MANAGING YOUR LEGACY

Preparing for retirement can be a most confusing and complicated time.

There are many issues to investigate, including:

• Health insurance needs: You may be losing company benefits and, for the first time in your working life, paying your own premiums.
  
  
• Pension options from your employer
  
  
• Long Term Care Issues
  
  
• Income Tax: How to keep the IRS out of your checkbook.
  
  
• Wills, Trusts, and Estate Planning: It's never too early to plan ahead
  
  
• Real Estate: Should you downsize? What about capital gains? Is a Reverse Mortgage a good idea?