Roger Roemmich

Gone are the days when people could retire at age 62 and live off the income from their bond portfolios.

Roger Roemmich, a CPA, long-time wealth manager and author of “Don’t Eat Dog Food When You’re Old,” said that people heading into retirement are focusing on the wrong variables. They should pay attention to investment hazards, asset allocation and how much money they have set aside for retirement, he said, but the one missing component in their planning is cash flow.

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