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    This Valentine's Day: Retirement Planning for Couples at Every Stage of Their Financial Life

    by Craig Hawley, Head of Nationwide's Annuity Distribution, Nationwide Feb 14, 2020 4 minutes

    Americans are living longer. There's a 1 in 3 chance that one member of a couple will live to at least age 95, according to the EBRI. That means they need to plan for a retirement that could last 30 years or more.

    But nearly half of pre-retirees (48%) say their only source of retirement income is Social Security, which is estimated to replace only 40% of the average person's income, according to the Alliance for Lifetime Income. And surprisingly, married couples with two salaries struggle more than couples with only one salary to maintain their pre-retirement standard of living, according to the Center for.

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