Is your retirement plan ready for the real cost of healthcare—or could medical expenses and long-term care derail your future? This episode of Retirement Simplified with Peter Laliberte and guest Toni Laliberte explores why budgeting for insurance, Medicare, and unexpected health events is essential. Learn how legacy planning, wills, and trusts can protect your wishes and prevent probate headaches for your heirs. Discover practical steps to avoid common estate mistakes and why proactive planning matters more than ever.

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