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<The bad news is my partner and I are starting retirement planning later than we should.>

If you haven't already, I suggest that you also start estate planning. This is especially important for partners (whether same or different sex), because unmarried partners do not enjoy the same rights as married people.

Your estate plan should include (at the very least) health care proxy and power of attorney, wills, and you may also want to include a trust.

Wendy
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