Happy retirees don’t spend their days in the doctor’s office. Staying healthy and active before you retire is your best defense from a miserable retirement.

Summary: In my business you usually see two different types of retirees. Your first group is those that are busy, active, focus on their health and genuinely enjoy retirement. The other group misses working and attends doctor’s appointments. Today’s podcast starts off with a discussion on cellular health and staying healthy. Also: • The new Morningstar mutual fund rating system • Three steps to take given the temporary tax cuts • Reasons to review your trust yearly • Having the right estate plan