1. 31 percent of those identifying as part of the Sandwich Generation bear complete financial responsibility for their parents or in-laws.

2. A MassMutual study confirms the emotional and financial stress such dual roles place on families.

3.  Creating a financial plan can alleviate such burdens and still allow for retirement saving. 

More people are saving for retirement but they are not saving enough.
Late-boomer wealth continues to be impacted by The Great Recession of 2008-2009. 
An increase in Social Security's Full Retirement Age was a de facto cut in Social Security benefits.

1. Studies are mixed about the effects of retirement on your mental health.

2. Having a plan in place may make the transition smoother. 

3. Addressing factors such as loss of work routine, loss of a robust social network, and loss of one's professional identity may help mitigate emotional stress points. Not to mention all the additional time to be spent.  

1. The greatest transfer of wealth in American history, approximately $84 trillion, has begun and will peak in the 2030s.
2. Gen X will begin retiring next decade, just as Social Security and Medicare will likely need substantial reforms.
3. A significant number of today's financial advisors will be exiting the business in the next ten years. 

1. The gold watch has been replaced by a green match (employers matching employee retirement contributions).
2. 401(k)s were never intended to supplant pensions but they largely have done so. The burden of saving for retirement is now on the employee, not the employer. 
3. A financial advisor can help people through the pitfalls of a DIY or do-it-yourself approach to retirement.

1. A majority of Boomers want to age in place; only a fraction of their homes can accommodate those desires.

2. Plan ahead: The longer you live you become even more eligible for illness and accidents.

3. A a healthy couple retiring at age sixty-five could expect to pay around $300,000 over the course of retirement to cover health and medical expenses.

1. Legacy planning is not just for the fabulously wealthy; it's for anyone with assets of value to be gifted.
2. A well-crafted and executed plan can make your beneficiaries' lives easier to manage in the future, personally and professionally.
3. What's the difference between a will and a trust?

1. Seven out of every ten Americans who reach age sixty-five will need long-term care of some kind. 

2. LTCI premiums count as medical expenses and may potentially be paid with special tax considerations.

3. The burden of loved ones: 66 percent of caregivers use their personal assets like savings and retirement funds, to pay for a loved one's care.

1. Managing through volatility and navigating around it is a necessity today in retirement planning.
2. A diverse portfolio is still a sound strategy.
3. Market volatility amplifies and accelerates risk, and likely affects investor behavior.