I read an article the other day that referred to the five years before and after retirement as among the most important and vulnerable for a retiree’s savings. The reasoning is that as you approach retirement there are far fewer years left to correct any misstep, and the consequence of a misstep can involve your quality of life in retirement and also the likelihood you will have enough to last the rest of your lifetime. This becomes obvious when we realize that the opportunity to make up lost money may also be lost simply because there are not enough years left to do so. If you’re thinking about what to do and you are close to retirement, call us and we can tell you about some options you may not have considered. We’re always here to help.