Long-term carePeople older than 65 have almost a 70% chance of needing long-term care, and that can cost hundreds of thousands of dollars. Medicare doesn't cover long-term care, and a recent survey found that almost half of older adults don't know how to plan for their long-term care needs. Some annuities also have long-term care riders built into them that can help cover the cost. Having a retirement plan is the first step to enjoying your golden years, but proper management requires constant adjustment to fit your unique goals. Take this as an opportunity to visit with a financial adviser to discuss your financial goals and help adjust your retirement plan for success.