Some two decades ago, Annette Martin was working as an administrative assistant at a retirement home in Lancaster County, Penn. Recalling those days, she says, “I met so many people there who were simply not financially prepared for retirement.” She explains, “It was a really nice place, with independent living facilities, and places where you would go later if you needed more care but it was pretty pricey. People would have to prove they had the assets, and many would come up short.”

Some of those who came up short, however, could have had enough with proper planning. It was sad to see, she said, but it also inspired her to seek out a new chapter in her career. Although she had to wait until her children were grown (she has six, and eight grandchildren). But then she began to look for a new career that would allow her to help such people. Her choice: financial advisor.

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