Your new clients, John and Mary Smith, have already plotted out a three-month trip through Asia. Mary has decided to earn a masters degree in Early Chinese Music at a top private college.  At 60, they can’t wait to begin their new lives and come to you asking if they can afford to retire in two years. They’ve diligently put aside 15% of their salaries towards this goal.

You know right away that retiring at 62 is not a good idea, but as a planner, you’d like to deliver good news as well as bad. 

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