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8 Retirement Planning Points for Couples With a Large Age Gap 

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While retirement planning for married clients is always complex, a large age gap between the spouses can add another level of complexity. An age gap of 10, 15, 20 years or more can lead to differences in retirement dates, health, life expectancy and a host of other factors that need to be considered. 

While the vast majority of U.S. married couples have an age gap of under 10 years, a wider age gap is not uncommon. This is especially true in second marriages. Here are some retirement planning considerations for married couples with a wide age gap. 


Roger Wohlner is a financial writer with over 20 years of industry experience as a financial advisor.