Our financial lives are much like a chessboard – with each chess piece representing a different financial component. Even if you don’t play chess, you understand that one move can change the whole board, right? This is why great chess players focus on a series of moves rather than one move at a time. It is also why it’s not uncommon to become anxious as you approach retirement. A myriad of obstacles and choices lie before us: market risk, investment management questions, pension elections, maximizing Social Security benefits, converting assets to income, long-term care protection, survivorship risk and others. Being deliberate and strategic is essential to achieving the best outcomes.