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Lakewood Ranch financial planner looks at costs of health care in retirement

It is no secret that health care is expensive. For most of us, annual health-care costs increase as we get older and threaten to become our largest expense item. Fidelity's latest study proclaims that the average 65-year-old will need $245,000 to cover health-care costs in their lifetime.

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Why everyone needs to own bonds

Everyone should own bonds or bond-like investments, though you might ask why would anyone want to own bonds at this time? The value in owning bonds is not just for the known rate of income but also to provide a less-volatile rate of return and to provide stability to a portfolio. Providing stability and helping us deal with our instinctual desire to make the wrong moves at the wrong times may have the most value for investors.

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Reducing your income risk is crucial when investing

When investing and managing your money, you must consider and deal with a number of potential risks.  Some of these are more important at different times in one’s life. If you are relying on your investments to provide income to pay your expenses, you are rightfully concerned about the stability of income.  Regardless of how you use the income, let’s look at how you can manage these risks and improve the reliability of your overall investment income.

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