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Most people enter retirement with a collection of accounts — 401(k)s, IRAs, savings, Social Security, maybe a pension. But they often don’t have a coordinated income strategy. 

That can lead to costly questions:

• When should I claim Social Security?
• Which accounts should I draw from first?
• How do I reduce taxes on retirement income?
• What happens if the market drops early in retirement?
• How will I pay for healthcare or long-term care?
• Will my spouse be protected if something happens to me?