<<My parents are 3-4 years from retirement, have saved some money but will still rely heavily on social security, so I'm sure the standard of living adjustment will take some getting used to for them.>> Perhaps the most critical decision is to decide when and if to retire.I've had a chance to see a couple of underfunded retirements ----it's not pretty. If your parents really don't have the savings to support retirement, continuing to work (if it's possible) may be the smart move. How old are your parents, and what are their reasons for desiring to retire in 3-4 years? Seattle Pioneer
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