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Don't forget that the cost of living will go up over time.

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The average annual rate of inflation over the past 20 years has been approximately 3 percent. (Source: Consumer price index (CPI-U) data published annually by the U.S. Department of Labor, 2009.) And keep in mind that your retirement expenses…

6 RISKS TO A SECURE RETIREMENT

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You have dreams for retirement. But you need to understand six common risks most retirees face and take steps to protect your retirement dreams from these risks: 1. Health care expenses. Medical costs have risen at more than twice the rate…