"Social Security benefits are confusing, as is the process for identifying optimal claiming ages.... I have trouble finding a good retirement planner.... Figuring out the most tax-efficient way to distribute from IRAs, Roth IRAs, and taxable accounts at the right time is just a few too many variables for me and Excel.... The potential for early retirement.... Continuity of investment and household expense management if I die or become disabled and where to find emotional, decision making, and day-to-day support in very old age, when we're less sharp and mobile."

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