Life can change in a moment.  Global pandemic, market uncertainty, income loss, mandatory business shutdown and social distancing have changed the world.  Retirement should be your time – from the start.  What that looks like in today’s world may be vastly different from what you imagined.  But that’s OK.  By being prepared and having a plan on how to best use your savings, you can help ensure your retirement goals stay on track, such as maintaining a stable home and family and managing through market volatility and healthcare expenses.