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Do you have a retirement budget? 
Determine what your spending plan is today and compare it to what it may be in retirement, says Rianka Dorsainvil, founder and president of Your Greatest Contribution. Doing this will help you learn how much income you’ll need in retirement.

Where’s your income coming from in retirement?

Besides getting a handle on your expenses, determine what income you should expect during retirement, says Dorsainvil. “Ideally you would want multiple streams of income whether it comes from Social Security, earned income, a pension, or distributions from your assets in your retirement accounts,” she says.

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The industry needs an infusion of young advisors—but those newbies need more than traditional training, according to MarketWatch.

Experts say aspiring advisors should understand how business models are evolving. Retainer fees and subscription models are catching on, for example, says Kate Healy, managing director of Generation Next for TD Ameritrade Institutional.

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