This season of life usually includes people in their seventies and above, either married or single. The habits and procedures you develop at this stage of life will provide the foundation that you will build on throughout the rest of your life, whether consciously or unconsciously. To develop a proper foundation it is critical that you first review your  financial risks, and then set boundaries that you will operate within.  An improper foundation can reap untold devastation with the relationships of your life. Here are some key anchors that can assist your financial plans: