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Rollie Morud, former Bemidji School District superintendent, advocates planning at ahead for retirement. He bought a farm in Frohn Township a decade ago with the idea of developing a new enterprise when he was ready to step down from academic administration. Pioneer Photo/Monte Draper

Here's to You: Planning makes later years satisfying

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Financial planning throughout the career years makes retirement economically possible. But there is more to satisfactory retirement than money.

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"It's non-financial planning that brings about the quality of retirement," said Rollie Morud during a presentation earlier this fall.

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