3 smart money moves that will improve life in retirement

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Those nearing retirement have many factors to consider, but by making a few financial decisions early on, you can protect yourself from the risks that lie ahead. Begin thinking about long-term care, medical insurance, and retirement spending before saying goodbye to your working years.

According to the U.S. Department of Health and Human Services, 70% of Americans will need some form of long-term care in retirement, with a median annual cost north of $100,000. The big question at this moment is not whether a retiree will experience a long-term care need, but how they will afford the care they need.

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