[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fBiPU1q0c170nKn2Gc_ZB_GtPrJaJwCchd_qRK6DzY_M":3},{"data":4,"headers":614},{"brand":5,"route":6,"title":7,"seo":8,"components":17,"pageMeta":445,"dataSources":459},"holiday","\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Ffinancial-planning-for-retirement","Financial Planning for Retirement",{"_uid":9,"title":10,"ogType":11,"robots":12,"schema":13,"ogTitle":10,"ogLocale":14,"component":15,"description":16,"twitterCard":12,"ogDescription":16,"geo.position":12,"geo.placename":12,"geo.region":12},"c1fd43c5-35af-47c8-b3f0-24585b509616","Financial Planning for Retirement | Holiday by Atria","website","","{\n  \"@context\": \"http:\u002F\u002Fschema.org\",\n  \"@type\": \"Article\",\n  \"name\": \"Financial Planning for Retirement\",\n  \"datePublished\": \"2023-08-28\",\n  \"articleBody\": \"There’s a saying that the best time to plant a tree was 20 years ago – the second best time is now.\u003C\u002FP>\\n\u003CP>The same is true of saving for retirement. If you haven’t been preparing for this transition, taking inventory of your assets now is crucial for achieving your retirement goals.\u003C\u002FP>\\n\u003CP>There are many factors that contribute to financial security in retirement. In this article, we’ll look at key considerations to keep in mind so you can set yourself up for success.\u003C\u002FP>\\n\u003CH2>Make a plan\u003C\u002FH2>\\n\u003CP>Nancy Buck, a financial advisor in the Cleveland office of Janney Montgomery Scott LLC, and member of NYSE, FINRA and SIPC, says, “One of the best things seniors can do is make a financial plan.”\u003C\u002FP>\\n\u003CP>Budgeting is important no matter where you are in your career, and a financial plan is simply a budget specifically accounting for your needs in your non-working years. “This plan includes a list of assets,” Buck says, “including accounts, pensions, social security, and things like houses or cars that you can’t spend unless you sell them – and factors in the expenses you predict you’ll have.”\u003C\u002FP>\\n\u003CP>Buck adds that it’s important to check this plan each year to make sure you’re sticking to your budget.\u003C\u002FP>\\n\u003CP>Creating this plan with a fiduciary – or a trustee who puts your financial interests in scope so as to benefit the beneficiary – will give you peace of mind that your financial planner is working in your best interest. There are more than a hundred credentials that financial planners claim to have. It doesn’t make them skilled or ethical.\u003C\u002FP>\\n\u003CH3>Calculating assets\u003C\u002FH3>\\n\u003CP>What do you need to live comfortably in retirement? \u003CA href=\\\"https:\u002F\u002Fretirementplans.vanguard.com\u002Fweb\u002Fenc\u002Fpdfs\u002FRILongBroc.pdf\\\" aria-label=\\\"open link to resources on How to turn retirement savings into retirement income\\\">Vanguard\u003C\u002FA> suggests budgeting for roughly 75-85% of your pre-retirement expenses. The money you live on in retirement comes from regular income, where you’re guaranteed consistent payments, such as social security – and variable income sources, which include savings accounts that you’re responsible for. As you take inventory of your assets, account for the following:\u003C\u002FP>\\n\u003CUL>\\n\u003CLI>CDs\u003C\u002FLI>\\n\u003CLI>Part-time work income\u003C\u002FLI>\\n\u003CLI>Pension\u003C\u002FLI>\\n\u003CLI>Rental income\u003C\u002FLI>\\n\u003CLI>Sale of real estate, vehicles or other valuables\u003C\u002FLI>\\n\u003CLI>IRA accounts\u003C\u002FLI>\\n\u003CLI>Stocks\u003C\u002FLI>\\n\u003C\u002FUL>\\n\u003CP>As the Department of Labor reports, social security retirement benefits will account for an average of approximately 40% of yearly pre-retirement income for retirement beneficiaries. While that’s a significant percentage, it’s likely not enough to retire on by itself, so it’s important to have a clear idea of how much you’ll receive. The Social Security Administration makes it easy to get an estimate of your benefits by creating a \u003CA href=\\\"https:\u002F\u002Fwww.ssa.gov\u002Fmyaccount\u002F?gclid=EAIaIQobChMIx7Dtr9eF-QIVNBxlCh18lA9eEAAYASAAEgKRD_D_BwE\\\" aria-label=\\\"open link to the social security login page\\\">My Social Security account\u003C\u002FA>.\u003C\u002FP>\\n\u003CP>If you’re considering downsizing, you may have more flexibility as you put the funds from the sale of a home toward a smaller living space. If your move takes you out of state, consider your proximity to a support network, explore rent or home prices, and understand the tax implications of your new state of residence. All these factors may impact whether the move frees up more cash for retirement or increases your cost of living.\u003C\u002FP>\\n\u003CH3>Assessing expenses\u003C\u002FH3>\\n\u003CP>In retirement, you’ll still have many of the same expenses you’ve had throughout adulthood: rent or mortgage, utilities, food, insurance and taxes. Some costs may go down – for instance, you’ll save cash if you receive Medicare benefits, have paid off your mortgage or no longer commute to work – but there will also be new costs to prepare for.\u003C\u002FP>\\n\u003CP>The Social Security Administration reports that an estimated one in three 65 year olds will live to age 90. Additionally, Buck notes that while your plan may account for health care, it may not anticipate a major health event. As life expectancy increases, it’s important to be realistic about how many post-work years you’ll need to pay for and the assistance you may need during those years.\u003C\u002FP>\\n\u003CP>Part of planning for retirement, Buck says, is assessing your ability to finance long-term senior care, whether that looks like a move to an independent or assisted living community, hiring an in-home caregiver or choosing a skilled nursing residence. “People are under the assumption that Medicare will pay for long-term care,” Buck says, “and it doesn’t.”\u003C\u002FP>\\n\u003CP>For some older adults, becoming a burden on their family and friends is a very real fear – as is the worry about going into debt as a result of medical expenses. The best way to avoid those challenges is to take an honest inventory of your financial situation and create a clear retirement financial plan.\u003C\u002FP>\\n\u003CH2>Retirement timeline\u003C\u002FH2>\\n\u003CH3>5 years before retirement\u003C\u002FH3>\\n\u003CP>This is a good time to start reviewing your regular income estimates, such as pension and social security benefits. Look into retirement workshops, and ask your employer if they offer any additional resources for retirement planning.\u003C\u002FP>\\n\u003CH3>2 to 3 years before retirement\u003C\u002FH3>\\n\u003CP>Start thinking about what you want to \u003CEM>do\u003C\u002FEM> in your retirement years. If there’s a club or organization you’d like to be a part of, start fostering those connections now. Continuity is important for a smooth transition to retirement, and having an established hobby and active social group outside of work can be an asset for mental health.\u003C\u002FP>\\n\u003CH3>1 year before retirement\u003C\u002FH3>\\n\u003CP>Work with your financial advisor to review your plan and assess:\u003C\u002FP>\\n\u003CUL>\\n\u003CLI>What adjustments you may want to make to your healthcare plan during your employer’s next open enrollment period\u003C\u002FLI>\\n\u003CLI>Whether any changes need to be made to any retirement accounts\u003C\u002FLI>\\n\u003CLI>If you’re on track to meet your financial retirement goals\u003C\u002FLI>\\n\u003C\u002FUL>\\n\u003CP>This is also a good time to start pulling together the documents you’ll need as you enter retirement. These may include a birth certificate, social security card and marriage or divorce certificate.\u003C\u002FP>\\n\u003CH3>3 to 6 months before retirement\u003C\u002FH3>\\n\u003CP>If you’re ready to retire, let your employer know. This will help you set in motion any paperwork and announcements required. Check to see if there’s an official time frame for which your employer requires a letter of resignation.\u003C\u002FP>\\n\u003CP>Four months before you plan to begin receiving payments, you can apply for Social Security – but be aware that the longer you wait to collect, the more you’ll be paid. Payments are based on credits earned during your top 35 earning years, so if you continue to work and anticipate making more in the coming years than you did in any of the years used to calculate your current payment, waiting to enroll could make your rate go up. The \u003CA href=\\\"https:\u002F\u002Fwww.ssa.gov\u002Fpubs\u002FEN-05-10377.pdf\\\" aria-label=\\\"Open link to social security guide check in\\\">Social Security Administration’s retirement checklist\u003C\u002FA> can walk you through the best way to optimize your benefits.\u003C\u002FP>\\n\u003CP>Though it doesn’t cover everything, Medicare is a useful tool for helping to pay for parts of senior needs. Medicare is health insurance for Americans 65 and older, and you can apply up to three months before turning 65, unless you meet a qualifying exception that allows you to enroll earlier.\u003C\u002FP>\\n\u003CP>Finally, get ready to enjoy the next chapter of your life.\u003C\u002FP>\\n\u003CH3>Legacy\u003C\u002FH3>\\n\u003CP>For some, a retirement plan includes a legacy that accounts for what will be shared with family and friends. This includes non-tangibles like life lessons and memories, as well as financial assets and physical heirlooms.\u003C\u002FP>\\n\u003CP>In addition to a clear financial plan, finance experts recommend including these three essentials when planning for your later years:\u003C\u002FP>\\n\u003CUL>\\n\u003CLI>A will\u003C\u002FLI>\\n\u003CLI>A healthcare directive\u003C\u002FLI>\\n\u003CLI>A durable power of attorney\u003C\u002FLI>\\n\u003C\u002FUL>\\n\u003CP>It’s important to include family and close friends in this process so they know your wishes and can execute them.\u003C\u002FP>\\n\u003CP>Retirement provides a natural opportunity for getting these affairs in order, as people are already taking inventory of their assets and thinking about the future. In addition to providing an opportunity to reflect, Merrill found that older adults who had all three essentials in place felt more in control of their medical treatments and costs.\u003C\u002FP>\\n\u003CP>Writing a will can provide a helpful lens for thinking about your assets and the future. \u003CEM>Forbes Magazine\u003C\u002FEM> recommends revisiting your will every few years, even if you haven’t had any big life events, because the assets that are most important to you, and how you’d like to share them with others, may change with time.\u003C\u002FP>\\n\u003CH2>Mental preparation\u003C\u002FH2>\\n\u003CP>Having your retirement finances in order provides peace of mind as you enter your non-working years.\u003C\u002FP>\\n\u003CP>According to Merrill, 94% of Americans over the age of 55 say that friends and family are what determines a life well lived. Their study isn’t the only one that says so. While financial security is paramount in one’s retirement years, who you’ll spend those years with is a better indicator of how content you’ll be.\u003C\u002FP>\\n\u003CP>At Holiday, our flat rent makes budgeting for retirement easy, and our vibrant independent living communities offer a convenient choice for your lifestyle. For more information on how you can prepare to thrive mentally and emotionally in retirement, read our blog on \u003CA href=\\\"https:\u002F\u002Fholidayseniorliving.com\u002Fretirement-guide\u002Fretirement-living\u002Fhow-to-thrive-in-retirement-life\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">\u003CU>adjusting to retirement\u003C\u002FU>\u003C\u002FA>\u003CU>.\u003C\u002FU>\u003C\u002FP>\\n\u003CH4>Helpful resources\u003C\u002FH4>\\n\u003CP>Retirement finances require careful planning. Here are some additional resources that may help you navigate your retirement savings, health care options and next steps.\u003C\u002FP>\\n\u003CP>\u003CA href=\\\"https:\u002F\u002Fwww.franklintempleton.com\u002Fforms-literature\u002Fdownload\u002FRET-BCFP#:~:text=Planning%20ahead%20can%20help%20provide,you%20have%20to%20work%20with.\\\" aria-label=\\\"Open link to resources about financial planning ahead\\\">Franklin Templeton Retirement Guide\u003C\u002FA>\u003C\u002FP>\\n\u003CP>\u003CA href=\\\"https:\u002F\u002Fwww.nia.nih.gov\u002Fhealth\u002Fpaying-care\\\" aria-label=\\\"open link to resources for financial assistance\\\">National Institute on Aging – Financing Care\u003C\u002FA>\u003C\u002FP>\\n\u003CP>\u003CA href=\\\"https:\u002F\u002Fholidayseniorliving.com\u002Fretirement-guide\u002Ftransition-and-moving\u002F8-tips-for-downsizing-to-a-retirement-living-community\\\" aria-label=\\\""open\\\">Holiday by Atria – Tips for Downsizing\u003C\u002FA>\u003C\u002FP>\\n\u003CP>\u003CA href=\\\"https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Fbusiness\u002Fhow-to-write-a-will\u002F\\\" aria-label=\\\"open link to tips on how to wreite a will\\\">Forbes – Preparing a Will\"\n}","en_US","seo-fields","Retirement presents unique challenges for senior financial planning. 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senior living resources, event invites and more!",{"id":227,"alt":227,"name":12,"focus":227,"title":227,"source":12,"filename":12,"copyright":227,"fieldtype":119,"meta_data":228,"description":12},null,{},"Sign up for our newsletter",true,"Submit","h4","4","utility","*Required","white","Must enter a valid email address","emailSignUp",120,"Schedule A Tour","First and Last Name","3","Email*","Your Tour is Scheduled!",10,"No thanks, I'm not interested","Next","Confirm Your Tour","Close","Who is scheduling this tour?","secondary","You are successfully subscribed! Look for your first email in your inbox soon!",30,"Choose a date","Choose a time","We'll contact you with your tour details.","Email Address","Phone Number","Please select a date","Please select a time","Last Name","A community manager will be in touch with you shortly.","Don't worry, you can change this later.","First Name","Please enter a valid email address.","Please enter your 10-digit phone number.","* Required Field","Last Name is required.","We've sent you a confirmation e-mail. If you have questions or want to make changes to your request, give us a call at ","First Name is required.",{"componentName":272,"props":273},"ContentHubArticleHero",{"topLine":121,"className":12,"topMargin":121,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":230,"allowMaxWidth":121,"bottomPadding":121,"lastUpdatedCopy":274,"extraContainerClassName":12},"Last Updated",{"componentName":276,"props":277},"PromoBanner",{"copy":278,"image":279,"title":285,"newTab":121,"ctaLink":286,"ctaText":287,"topLine":121,"subtitle":12,"titleTag":288,"className":12,"topMargin":121,"bottomLine":121,"supertitle":12,"topPadding":121,"componentId":12,"bottomMargin":121,"ctaColorRole":234,"allowMaxWidth":121,"bottomPadding":230,"fallbackImage":289,"textColorRole":236,"titleStyleLevel":291,"backgroundColorRole":292,"supertitleColorRole":234,"ctaIsOnDarkBackground":230,"extraContainerClassName":12},"Check out our financial guide to senior living — a comprehensive resource for those looking for answers on how to afford senior living and what to expect.",{"id":280,"alt":281,"name":12,"focus":12,"title":12,"source":282,"filename":283,"copyright":12,"fieldtype":119,"meta_data":284,"is_external_url":121,"description":12},892413,"Senior resident working on laptop","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F667x500\u002Fd8510fa38a\u002Fseniorwomanonlaptop.png","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F667x500\u002Fd8510fa38a\u002Fseniorwomanonlaptop.png",{"alt":281,"title":12,"source":12,"copyright":12},"Interested in more financial tips?","\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Ffinancial-guide","Check out the guide","h2",{"id":280,"alt":281,"name":12,"focus":12,"title":12,"source":282,"filename":283,"copyright":12,"fieldtype":119,"meta_data":290,"is_external_url":121,"description":12},{"alt":281,"title":12,"source":12,"copyright":12},"2","primary",{"componentName":294,"props":295},"ContentHubArticleBody",{"topLine":121,"className":12,"topMargin":121,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":230,"cardLinkText":296,"nextPostCopy":297,"allowMaxWidth":121,"bottomPadding":121,"articleContent":298,"watchVideoCopy":299,"emailSignupCopy":300,"readArticleCopy":296,"nextPostHeaderTag":288,"emailSignUpCtaText":301,"recommendationCopy":302,"emailSignUpSuccessTitle":303,"extraContainerClassName":12,"recommendationHeaderTag":288,"nextPostHeaderStyleLevel":291,"emailSignUpSuccessMessage":304,"recommendationHeaderStyleLevel":291},"Read the article","Up next","\u003Cp class=\"copy copy--is-font-secondary\">There’s a saying that the best time to plant a tree was 20 years ago – the second best time is now.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">The same is true of saving for retirement. If you haven’t been preparing for this transition, taking inventory of your assets now is crucial for achieving your retirement goals.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">There are many factors that contribute to financial security in retirement. In this article, we’ll look at key considerations to keep in mind so you can set yourself up for success.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Make a plan\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Nancy Buck, a financial advisor in the Cleveland office of Janney Montgomery Scott LLC, and member of NYSE, FINRA and SIPC, says, “One of the best things seniors can do is make a financial plan.”\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Budgeting is important no matter where you are in your career, and a financial plan is simply a budget specifically accounting for your needs in your non-working years. “This plan includes a list of assets,” Buck says, “including accounts, pensions, social security, and things like houses or cars that you can’t spend unless you sell them – and factors in the expenses you predict you’ll have.”\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Buck adds that it’s important to check this plan each year to make sure you’re sticking to your budget.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Creating this plan with a fiduciary – or a trustee who puts your financial interests in scope so as to benefit the beneficiary – will give you peace of mind that your financial planner is working in your best interest. There are more than a hundred credentials that financial planners claim to have. It doesn’t make them skilled or ethical.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Calculating assets\u003C\u002Fh3>\n\u003Cp class=\"copy copy--is-font-secondary\">What do you need to live comfortably in retirement? \u003Ca href=\"https:\u002F\u002Fretirementplans.vanguard.com\u002Fweb\u002Fenc\u002Fpdfs\u002FRILongBroc.pdf\" aria-label=\"open link to resources on How to turn retirement savings into retirement income\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\" target=\"_blank\" rel=\"noopener\">Vanguard\u003C\u002Fa> suggests budgeting for roughly 75-85% of your pre-retirement expenses. The money you live on in retirement comes from regular income, where you’re guaranteed consistent payments, such as social security – and variable income sources, which include savings accounts that you’re responsible for. As you take inventory of your assets, account for the following:\u003C\u002Fp>\n\u003Cbr>\n\u003Cul class=\"bullet-list\">\n \t\u003Cli class=\"copy copy--is-font-secondary\">CDs\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Part-time work income\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Pension\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Rental income\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Sale of real estate, vehicles or other valuables\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">IRA accounts\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Stocks\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">As the Department of Labor reports, social security retirement benefits will account for an average of approximately 40% of yearly pre-retirement income for retirement beneficiaries. While that’s a significant percentage, it’s likely not enough to retire on by itself, so it’s important to have a clear idea of how much you’ll receive. The Social Security Administration makes it easy to get an estimate of your benefits by creating a \u003Ca href=\"https:\u002F\u002Fwww.ssa.gov\u002Fmyaccount\u002F?gclid=EAIaIQobChMIx7Dtr9eF-QIVNBxlCh18lA9eEAAYASAAEgKRD_D_BwE\" aria-label=\"open link to the social security login page\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\" target=\"_blank\" rel=\"noopener\">My Social Security account\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">If you’re considering downsizing, you may have more flexibility as you put the funds from the sale of a home toward a smaller living space. If your move takes you out of state, consider your proximity to a support network, explore rent or home prices, and understand the tax implications of your new state of residence. All these factors may impact whether the move frees up more cash for retirement or increases your cost of living.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Assessing expenses\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">In retirement, you’ll still have many of the same expenses you’ve had throughout adulthood: rent or mortgage, utilities, food, insurance and taxes. Some costs may go down – for instance, you’ll save cash if you receive Medicare benefits, have paid off your mortgage or no longer commute to work – but there will also be new costs to prepare for.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">The Social Security Administration reports that an estimated one in three 65 year olds will live to age 90. Additionally, Buck notes that while your plan may account for health care, it may not anticipate a major health event. As life expectancy increases, it’s important to be realistic about how many post-work years you’ll need to pay for and the assistance you may need during those years.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Part of planning for retirement, Buck says, is assessing your ability to finance long-term senior care, whether that looks like a move to an independent or assisted living community, hiring an in-home caregiver or choosing a skilled nursing residence. “People are under the assumption that Medicare will pay for long-term care,” Buck says, “and it doesn’t.”\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">For some older adults, becoming a burden on their family and friends is a very real fear – as is the worry about going into debt as a result of medical expenses. The best way to avoid those challenges is to take an honest inventory of your financial situation and create a clear retirement financial plan.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Retirement timeline\u003C\u002Fh2>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">5 years before retirement\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">This is a good time to start reviewing your regular income estimates, such as pension and social security benefits. Look into retirement workshops, and ask your employer if they offer any additional resources for retirement planning.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">2 to 3 years before retirement\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Start thinking about what you want to \u003Cem>do\u003C\u002Fem> in your retirement years. If there’s a club or organization you’d like to be a part of, start fostering those connections now. Continuity is important for a smooth transition to retirement, and having an established hobby and active social group outside of work can be an asset for mental health.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">1 year before retirement\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Work with your financial advisor to review your plan and assess:\u003C\u002Fp>\n\u003Cbr>\n\u003Cul class=\"bullet-list\">\n \t\u003Cli class=\"copy copy--is-font-secondary\">What adjustments you may want to make to your healthcare plan during your employer’s next open enrollment period\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Whether any changes need to be made to any retirement accounts\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">If you’re on track to meet your financial retirement goals\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">This is also a good time to start pulling together the documents you’ll need as you enter retirement. These may include a birth certificate, social security card and marriage or divorce certificate.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">3 to 6 months before retirement\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">If you’re ready to retire, let your employer know. This will help you set in motion any paperwork and announcements required. Check to see if there’s an official time frame for which your employer requires a letter of resignation.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Four months before you plan to begin receiving payments, you can apply for Social Security – but be aware that the longer you wait to collect, the more you’ll be paid. Payments are based on credits earned during your top 35 earning years, so if you continue to work and anticipate making more in the coming years than you did in any of the years used to calculate your current payment, waiting to enroll could make your rate go up. The \u003Ca href=\"https:\u002F\u002Fwww.ssa.gov\u002Fpubs\u002FEN-05-10377.pdf\" aria-label=\"Open link to social security guide check in\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">Social Security Administration’s retirement checklist\u003C\u002Fa> can walk you through the best way to optimize your benefits.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Though it doesn’t cover everything, Medicare is a useful tool for helping to pay for parts of senior needs. Medicare is health insurance for Americans 65 and older, and you can apply up to three months before turning 65, unless you meet a qualifying exception that allows you to enroll earlier.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Legacy\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">For some, a retirement plan includes a legacy that accounts for what will be shared with family and friends. This includes non-tangibles like life lessons and memories, as well as financial assets and physical heirlooms.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">In addition to a clear financial plan, finance experts recommend including these three essentials when planning for your later years:\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Finally, get ready to enjoy the next chapter of your life.\u003C\u002Fp>\n\u003Cbr>\n\u003Cul class=\"bullet-list\">\n \t\u003Cli class=\"copy copy--is-font-secondary\">A will\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">A healthcare directive\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">A durable power of attorney\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">It’s important to include family and close friends in this process so they know your wishes and can execute them.\u003Cbr>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Retirement provides a natural opportunity for getting these affairs in order, as people are already taking inventory of their assets and thinking about the future. In addition to providing an opportunity to reflect, Merrill found that older adults who had all three essentials in place felt more in control of their medical treatments and costs.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Writing a will can provide a helpful lens for thinking about your assets and the future. \u003Cem>Forbes Magazine\u003C\u002Fem> recommends revisiting your will every few years, even if you haven’t had any big life events, because the assets that are most important to you, and how you’d like to share them with others, may change with time.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Mental preparation\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-secondary\">Having your retirement finances in order provides peace of mind as you enter your non-working years.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">According to Merrill, 94% of Americans over the age of 55 say that friends and family are what determines a life well lived. Their study isn’t the only one that says so. While financial security is paramount in one’s retirement years, who you’ll spend those years with is a better indicator of how content you’ll be.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">At Holiday, our flat rent makes budgeting for retirement easy, and our vibrant independent living communities offer a convenient choice for your lifestyle. For more information on how you can prepare to thrive mentally and emotionally in retirement, read our blog on \u003Ca href=\"\u002Fretirement-guide\u002Fretirement-living\u002Fhow-to-thrive-in-retirement-life\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">adjusting to retirement\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch4 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Helpful resources\u003C\u002Fh4>\n\u003Cp class=\"copy copy--is-font-secondary\">Retirement finances require careful planning. Here are some additional resources that may help you navigate your retirement savings, health care options and next steps.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">\u003Ca href=\"https:\u002F\u002Fwww.franklintempleton.com\u002Fforms-literature\u002Fdownload\u002FRET-BCFP#:~:text=Planning%20ahead%20can%20help%20provide,you%20have%20to%20work%20with.\" aria-label=\"Open link to resources about financial planning ahead\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\" target=\"_blank\" rel=\"noopener\">Franklin Templeton Retirement Guide\u003C\u002Fa>\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">\u003Ca href=\"https:\u002F\u002Fwww.nia.nih.gov\u002Fhealth\u002Fpaying-care\" aria-label=\"open link to resources for financial assistance\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\" target=\"_blank\" rel=\"noopener\">National Institute on Aging – Financing Care\u003C\u002Fa>\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">\u003Ca href=\"\u002Fretirement-guide\u002Fretirement-living\u002F8-tips-for-downsizing-to-a-retirement-living-community\" aria-label=\""open\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\" target=\"_blank\" rel=\"noopener\">Holiday by Atria - Tips for Downsizing\u003C\u002Fa>\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">\u003Ca href=\"https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Fbusiness\u002Fhow-to-write-a-will\u002F\" aria-label=\"open link to tips on how to write a will\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\" target=\"_blank\" rel=\"noopener\">Forbes – Preparing a Will\u003C\u002Fa>\u003C\u002Fp>","Watch the video","Want to learn more about life at Holiday?","Sign Up","You might also like","Thank you for subscribing!","You'll receive an email shortly. You can unsubscribe anytime.",{"componentName":306,"props":307},"ContentHubFeaturedContent",{"postId":308,"ctaLink":309,"ctaText":296,"topLine":121,"className":12,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":121,"allowMaxWidth":121,"bottomPadding":121,"hasImageOnLeft":230,"optionalCategory":310,"extraContainerClassName":12},"d66eb915-e7c5-46b1-a7d7-599d4d9da72d","\u002Fretirement-guide\u002Fretirement-living\u002Fhow-to-thrive-in-retirement-life","retirement-living",{"componentName":312,"props":313},"ContentHubArticleCardList",{"posts":314,"title":319,"isSmall":230,"postTag":12,"topLine":121,"category":12,"listType":320,"titleTag":288,"className":12,"topMargin":121,"bottomLine":121,"topPadding":121,"componentId":12,"signUpTitle":12,"specialCard":321,"bottomMargin":230,"facCardTitle":12,"allowMaxWidth":121,"bottomPadding":121,"signUpCtaText":12,"enableLoadMore":121,"facCardCtaLink":12,"facCardCtaText":12,"watchVideoCopy":299,"loadMoreCtaText":12,"readArticleCopy":296,"titleStyleLevel":233,"visiblePosts":322,"videoGalleryTitle":199,"articleCardLinkText":296,"signUpThankYouTitle":12,"signUpThankYouMessage":12,"extraContainerClassName":12},[315,316,317,318],"ed282157-69b7-469b-a240-995000d4d04e","8f6d7c7e-0d18-46a4-8f7e-8edd35a5dabf","75720ff8-b7cf-4086-8471-d9e99e48e08d","794029a5-ba2a-4309-80c9-441f7b23283d","Top Articles","selected","none",4,{"componentName":324,"props":325},"HolidayNavFooter",{"topLine":121,"className":12,"bottomLine":121,"keyMarkets":326,"topPadding":121,"componentId":12,"signUpTitle":355,"bottomMargin":230,"allowMaxWidth":121,"bottomPadding":121,"thankYouTitle":303,"keyMarketTitle":356,"signUpTitleTag":288,"thankYouMessage":304,"thankYouTitleTag":288,"keyMarketTitleTag":288,"signUpTitleStyleLevel":242,"extraContainerClassName":12,"thankYouTitleStyleLevel":242,"keyMarketTitleStyleLevel":291},[327,328,329,330,331,332,333,334,335,336,337,338,339,340,341,342,343,344,345,346,347,348,349,350,351,352,353,354],{"link":24,"text":25,"component":26},{"link":28,"text":29,"component":26},{"link":31,"text":32,"component":26},{"link":34,"text":35,"component":26},{"link":37,"text":38,"component":26},{"link":40,"text":41,"component":26},{"link":43,"text":44,"component":26},{"link":46,"text":47,"component":26},{"link":49,"text":50,"component":26},{"link":52,"text":53,"component":26},{"link":55,"text":56,"component":26},{"link":58,"text":59,"component":26},{"link":61,"text":62,"component":26},{"link":64,"text":65,"component":26},{"link":67,"text":68,"component":26},{"link":73,"text":74,"component":26},{"link":76,"text":77,"component":26},{"link":79,"text":80,"component":26},{"link":82,"text":83,"component":26},{"link":85,"text":86,"component":26},{"link":88,"text":89,"component":26},{"link":91,"text":92,"component":26},{"link":94,"text":95,"component":26},{"link":97,"text":98,"component":26},{"link":100,"text":101,"component":26},{"link":103,"text":104,"component":26},{"link":106,"text":107,"component":26},{"link":112,"text":113,"component":26},"Get the Latest News from Holiday","There's a Holiday Retirement Community Near 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