When I work with pre-retirees, I find that one question consistently comes up:

What does Medicare cover, exactly?

There’s an assumption that Medicare will cover everything that the healthcare coverage from your pre-retirement employer covers. Unfortunately, this isn’t true. Medicare is broken into four separate parts - A, B, C, and D. Each part covers a different set of medical expenses you may face during retirement.

On average, people estimate that a caregiver will spend about 25 hours per week on their duties and responsibilities on top of their normal work schedule. This demand can put a lot of strain on the part of the caregiver, causing them to lose sight of their own needs.

Estate planning has notoriously taken a back seat to many other financial processes, and that is not super surprising. Many people feel that they want to plan for their future, not the future after they are gone.

But estate planning is so much more than signing paperwork, having uncomfortable family conversations, and financial housekeeping, it really is about yourself, your future, and the legacy you wish to leave behind.

Sometimes saving for retirement can feel like a giant maze with no exit sign. You go in, but feel like you can never get back out. Luckily there are steadfast plans to help you reach your retirement savings goals.

Retirement is an exciting time, and our culture prioritizes it in a way that makes pre-retirees think of their retirement years as “golden.” We tend to feel like everything will be amazing during retirement - we’ll finally have all the time to do everything we’ve always wanted to do but couldn’t because of workplace and personal responsibilities. Unfortunately, this isn’t always the case.