Kiplinger.com writes that oftentimes financial planners can give poor advice. Here are four areas to watch out for when you get ready to retire:

1. Not Giving Social Security Enough Respect
2. Ignoring Sequence of Returns Risk
3. Not Having a Plan for Future Long-Term Health Care Costs
4. Leaving IRA Money to Heirs

With the third point, the U.S. Department of Health and Human Services writes that for adults aged 65 years old, the odds are around 70% that they will require long term care.

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