The biggest risk this group faces is medical expenses in retirement.  Out-of-pocket health care expense estimates show that for a 65-year-old couple, the average total expense is  $280,000! Most are unaware of this fact.  Also, there’s a 25% chance that for a couple aged 65, one them will live to age 95.  This exposes risks like living too long, outliving the retirement nest egg, inflation reducing purchasing power, market volatility, etc.  Additionally, most pre-retirees don’t maximize the Social Security election planning thereby giving up 25% to potentially 50+% of their Social Security income.  Paying too much in taxes is a problem, as well as investing too conservatively, not saving enough during the accumulation phase then withdrawing too much during the distribution phase.  By addressing these problems with  my help, we can make life-changing decisions together that can help achieve security, confidence, clarity and finally…financial balance that can potentially have intergenerational repercussions.