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8 Key Steps to Planning Retirement as a Couple

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Ready for retirement? Not so fast. You might be surprised at some of the issues that come up for couples when they plan. When you make financial decisions as a single person, it’s all about what works for you. When you’re in a long-term relationship, though, that changes. Couples, even if they keep aspects of their finances separate, still need to pay attention to ways to manage retirement planning together. If you want to have a successful retirement as a couple, start taking the following steps now. 1. Communicate 2. Take advantage of spousal IRAs 3. Two-income households should save more 4. Review your beneficiaries 5. Consider retiring at different times 6. Make informed — and joint — decisions about when to claim Social Security 7. Pay attention to taxes 8. Understand the implications of a divorce

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