You're most likely 60 years and older, fully or partially retired. One of your biggest concerns may be outliving your savings. Since you're retired you're not earning a paycheck. You need to preserve what you've accumulated, maximize your retirement income or safely grow your investments without the added risk.
Additionally, you should be concerned with the increasing cost of health care, and providing for your spouse after death or maybe you'd like to leave behind a legacy for your children or grandchildren.
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