First, what are the economics of retiring? Statistically, today’s adults will live on average until age 82. Retirement planners, however, routinely urge more conservative (longer life expectation) planning. Some data indicate that the average life span of at least one member of a retired couple is 93. One might consider it prudent to plan for a life span of 90 to 95 years, if not for oneself, then for one’s spouse. We are a much healthier nation today than just a decade ago (at the least, we are capable of being healthier). Medical advances continue and the prospects of life spans exceeding 100 years are certainly a consideration in this century. So, to be prudent, let’s consider living to age 95 as an appropriate planning assumption.