Jordan Curtis doesn’t sugarcoat his clients’ retirement options. That’s why when they confer with the Mountain America Credit Union advisor, he looks over their pensions, liquid savings, long-term budgets and Social Security potential, stress testing the entire portfolio against both growth and inflation. One of the most common errors he sees from clients is assuming their costs won’t change as they grow older. Curtis has to illustrate the opposite.

“I’ll ask them to remember what gasoline cost in the 1980s,” he says. “They tell me, 50 cents or 70 cents a gallon. I’ll remind them today it’s about $3, and got as high as $4.”

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