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InvestorGuide University > Subject: Retirement > Topic: Retirement Trends > Increasing Life Expectancies May Require Additional Retirement and Estate Planning
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Increasing Life Expectancies May Require Additional Retirement and Estate Planning


by John Armstrong   (Write for us!)
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According to the U.S. Census Bureau, people today can expect to live longer in retirement than ever before. Increased life expectancies mean we'll all probably have to do a better job of planning for our retirement and protecting our estate assets than previous generations. Working out a sound retirement plan now-before you need it-may help achieve retirement and other important financial goals.

Retirement Planning
Creating a retirement plan can help with a comfortable retirement. In drawing up your retirement plan you should take into consideration your: Once this information is determined, you can calculate any shortfall between projected retirement income and anticipated costs of living during your retirement. It's important to plan so that you have enough assets to get you through, not merely to, retirement. You might include in your comprehensive retirement plan such elements as: Estate Planning
Most of us already know that our estate includes every asset and debt we have. However, few of us probably also realize that: To help meet estimated future needs, investors can employ the following strategies: In short, talking with a financial and tax advisor regarding the adequacy of current estate and retirement plans is an essential first step for anyone interested in leaving behind a lasting personal and financial legacy.

These materials are provided free of charge for general informational and educational purposes to our brokerage clients. These materials do not take into account your personal circumstances and we do not represent that this information is complete or applicable to your situation. We may change these materials at any time in the future without notice to you. We are not providing you with investment, tax or legal advice. You should consult your own tax, legal, investment or other advisors to determine whether the analyses in these materials apply to your specific circumstances. Particular legal, accounting and tax restrictions applicable to you, margin requirements and transaction costs may significantly affect the structures discussed, and we do not represent that results indicated will be achieved. We are not offering to buy or sell any financial instrument or inviting you to participate in any trading strategy.

Investments and services are offered through Morgan Stanley DW Inc., member SIPC.


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