MARIGOLD

Many people have lofty ambitions for retirement. Maybe you’ve watched your retirement funds grow as you make regular contributions and investments. However, there is still the possibility of a potential disruption that cannot be anticipated or prevented. Even the best retirement plans need a built-in contingency plan. Would you be prepared if something unexpected and unwanted should hit? Prepare for Illness or Disability If you were forced to stop working for an extended period of time, your first order of business—after taking care of your health—would be taking care of expenses like housing, groceries, utilities, transportation and medical costs. Long-term disability insurance can help with this, as can government programs like Social Security disability benefits. But if your monthly income from these sources is only covering basic needs and you have added expenses like medical bills, it may be hard to set aside the same amount...