You began your career as a grower 20 years ago and may have started "with nothing" as the expression goes; during that period you and your spouse built your home, cared for and educated your children now all grown and starting their own work-life path; "built a business"; and mid-career is the time to put in place the means by which you and your spouse smoothly exit and move on to things you have worked to have time for at retirement.
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