When you have spent decades saving diligently, building wealth and earning a pension, you have accomplished something relatively few Americans have. But there is a catch: The more you have, the more complicated retirement planning can become.

A retiree with a pension and $1 million , $2 million or even $5 million saved faces very different planning challenges than someone with a smaller nest egg and no pension.

Taxes, required minimum distributions (RMDs), Medicare premiums, estate planning and income strategies can all become significantly more important.

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