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The journey towards retirement isn’t always the same for everybody. Some people can actually manage to comfortably handle their money well even past retirement and for others, there is need to work with coaches and advisors.
For the majority though, it would be wise to hire an advisor especially when it comes to figuring out major changes that come with like retirement. When you reach that point where you can no longer work properly the way you used to, you need something to fall back on and the best way is to start planning now.