Nearing retirement can be a stressful time as we shift from working to provide an income, to needing our money to work at providing that dependable income. Many people underestimate the financial stress of this major shift and seek ways to lessen it. We may have some suggestions to do that. In addition to products that provide you an income that won’t stop during your lifetime, as we review your plan for retirement we may also have other ideas such as prepaying while you are still working expenses that our experience shows can crop up at the outset of retirement, and which may otherwise catch you off budget. Call us, we’re always here to help.