Whether you are single, divorced, married, close to your family, or aging without the support of loved ones, creating a LifePlan for retirement gives you a way to avoid the mistakes that lead to ruin for so many people.

• Use the insurance system to stay healthy, not just treat you when you get sick.

• Stay in control of your life, even if you fall ill, your spouse or kids die before you do, or you have no family support.

• Ensure that your agents and fiduciaries manage your affairs the way you want them managed.

• Create a plan in advance to stay out of institutional care.

• Avoid going broke paying for uncovered medical and long-term care expenses.

• Keep your assets from ending up in the wrong hands - during your life and after you're gone.

• Avoid being a burden on your loved ones.