As we go through the stages of retirement, cash flow requirements and expenses often change.  

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Dealing with people everyday who have these challenges helps us to understand all the different issues that a created every time things change.  

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Too often people have not looked close enough at their circumstances and don't try to change things until it's too late. Different expenses such as health care, or travel change, and how do you adjust?  

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There has been change with food, health Care, property taxes, property insurance, homeowner's fees, car insurance, postage stamps, a gallon of milk, a loaf of bread, or a gallon of fuel.  

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The best way to control these costs are to understand them. 

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