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People are living longer, which can complicate retirement planning, according to Northwestern Mutual. With longevity on the rise, individual retirement planning needs to include asset accumulation and savings, as well as strategies for managing the personal and financial risks that can arise when you live into your 80s or 90s.

According to the U.S. Census Bureau, there were 720,000 people aged 90 or older in the U.S. in 1980. In 2010, that number increased to 1.9 million. By 2050, that number is expected to be 9 million people.

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