Americans are living longer than ever and as a result, retirement planning for 65 and over has become more complicated. How can you guarantee enough monthly income for life? What happens if I outlive my spouse? What happens if my social security does not cover my monthly expenses? With market volatility, rising healthcare and prescription costs and a longer life span, what are your best options to secure a safe retirement? Below are a few thoughts but remember everyone’s retirement planning is personal and needs to be customized with your specific goals. It is never to late to begin planning.