Retirement! What comes to mind when you hear that word? For some it will be their “Golden Years”, time and money to do all things they have always wanted to do. For others just the thought brings on anxiety. When single and moving into retirement there are things a responsible person must consider that are critical to being able to Sleep Well At Night. Retirement risks need to be addressed. Some advisors may concentrate on only one area of your life while others may be able to help you on a more holistic level where they are aware of and may coordinate your numerous financial instruments into a symphony. Chances of your home burning down between now and the day you die are about 3%. Chances of you totaling your car between now and the day you die are about 18%. Yet, we all buy Home and Automobile insurance. But, the chances you will need some form of Long-Term Care between now and the day you die are about 72%! Less than 30% of Americans over 45 have purchased long-term care insurance. What happens if you need care? Where will the funding come from? Who will pay the mortgage, car payments, real estate taxes, utilities, etc? Who will take care of things while you are under care? For a couple, the concerns are multiplied. Your “partner” needs to live life as well. Costs for everything keep coming in and going up. How does one balance the cost of care and running the household at the same time? What happens if you, a “Money-Machine”, dies prematurely? Who will fulfill the “silent promises” we have made to our loved ones?