When you’re planning for retirement, it’s easy to focus on saving as much as you can. But how much money you save is only part of the plan.  In this class, we will discuss the two phases to retirement planning and why the differences between them are so critical to your long-term financial security.  Then we will talk about major risks you face when planning for a financially sound retirement such as market volatility, outliving retirement savings, health care costs, inflation and taxes, long-term care, and leaving a legacy.  The decisions you make today could affect your financial security for the rest of your life, so it’s worth planning for.