In this presentation, we will discuss how retirement is changing, and why many of us need to adjust our retirement planning strategies.  A key piece of that involves reviewing the structure of both Social Security and Medicare, as well as the challenges they face and how they might be improved.  We’ll also review important options to consider, such as Medigap insurance and Medicare HMOs, as well as other effective strategies to help you plan for your medical and financial needs during retirement. These steps can help you be more financially prepared because you won’t want to rely completely on Social Security and Medicare.