RETIREMENT…that stage in life when hard-working Americans stop working for a paycheck, and begin living off the money they’ve worked so hard to accumulate. The decision to retire is one of the most difficult and important financial decisions one can make. It’s not just the uncertainty of “when” to retire, it’s also the many financial decisions that will come along with retiring and continue long into retirement. For instance, what age is the best age to begin drawing social security; what will my future cost of health care be; assuming you’re one of the lucky few to have an employer provided pension, should you take it as a lump sum or in monthly installments? What about that 401k you’ve been saving money into…did you realize that all those pre-tax funds you’ve contributed will one day be taxed and at what rate? And finally, THE biggest decision of all is WHO are you going to trust to invest your life savings with? with all of these crucial decisions to make, no wonder the 10,000 Americans turning 65 each and every day are so worried about running out of money?