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41 CONCLUSION From navigating the vast investment environment, pensions, pension alternatives, Social Security and Healthcare, it can make the head of even the most seasoned advisor spin. How can you expect to know all you need to know so that you can make educated and informed decisions to ensure that retirement is some of the best years of your life? I am sure you have noticed by now that we are advocates of working with an advisor. That is because we know of no better way to establish clear expectations and certainty in the decisions you are making than to work with a financial expert who understands you and all of these planning areas. It is imperative that this person has the ability to empower you with the knowledge to put you in a position to make sound decisions for yourself and the loved ones that depend on you. It is also important that this person is committed to the relationship in seeing you and the plan through your retirement years, and the aspects of your plan that are ever evolving (e.g., the death of a spouse or legislative changes). This book was created to start the conversation. To begin to inform and educate you on the importance of understanding the key factors of retirement, partnering with the right professional consultant and most of all being prepared. After all, knowledge creates understanding and expectations which will lead you to walk into your "Golden Years" with great excitement and confidence. "We know of no better way to establish clear expectations and certainty in the decisions you are making than to work with a financial expert who understands you and all of these planning areas."