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Retirement today means something very different than it did a generation ago - it’s often the start of a new beginning, a “second act” or a new direction and…it’s also much more expensive. Experts estimate today’s retiree will need to replace up to 80% of their pre-retirement income for each year of retirement. And, studies report that fewer than half of us know how much we’ll need to save to accomplish that goal. This quarter focuses on tips on calculating your retirement income needs, creating a retirement budget, and mapping out the retirement you want - so start planning!