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Editor’s note: This article considers action steps for people who might have some assets they could still use and who are fortunate enough to work with an advisor. We know there are many more who unfortunately don’t even have those options. 

Sometimes it seems as agents and advisors you work with the lucky few.  These are people who carefully planned for retirement or chose careers with great retirement benefits.  There are many people who are unprepared.  Others have entered into retirement with inadequate retirement savings.  Do they have options?

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