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Retirement planning for people over the last 5-6 years has become a little more challenging than it used to be. People are now more cautious with their money, and their focus on generating guaranteed income for life is becoming a greater necessity.
This article from USA Today’s American Life Magazine Highlights the need to prepare for the future, by considering the purchase of Long Term Care Insurance.
Years ago most companies would provide retirement plans that guaranteed an income for the rest of your life. These plans were called Defined Benefit Pension Plans and when you retired they gave you a percentage of your income for the rest of your life. Many of these types of pensions have gone away, replaced by a 401K where employees put their money into the stock market for the most part.
