You may not be aware, but everyone is eligible for Medicare at age 65, even when the normal retirement age for Social Security benefits is later.  We recommend anyone turning age 65 contact the Social Security Administration (www.ssa.gov or 1.800.772.1213) three months before the month of their 65th birthday. 

Very few people could “save” enough for retirement with today’s long life expectancies and earlier retirements.  If you just “save” – yet do not have growth that exceeds both income taxes and inflation, you are more likely to run out of money.