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Many retirement plans allocate your savings to varied stock and bond portfolios and, based on historic averages, tell you how much income those assets might generate until you reach a certain age, such as 90. That planning does not typically account for unexpected expenses, such as health care or a storm-damaged roof, and usually ignores what happens if you live longer than planned.
Better retirement planning ensures you have basic income for life along with a plan for meeting those extra expenses.
