Since childhood, my family has vacationed at Montauk, a rather sleepy beach town at the easternmost point of Long Island, N.

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Ms. SETZFAND: I think it's a matter of not taking the point of view of the long-term being on the beach or imagining a life that the investment firms have been touting of a beautiful retirement, but really using this time to take a hard look at whether things are still on track.

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