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It's important to use a financial adviser for your investment needs, but what about the rest of your life? According to a report from health care consulting firm Sage Growth Partners, a third of people ages 64 and up have a financial adviser, but only 2% of them asked their adviser to help with their Medicare choices.

There are seven things to know about minimum distributions.

Money can be affected by Medicare and other non-portfolio topics.

Crystal Cox, a certified financial planners in Madison, Wisconsin, says that there are still plenty of advisers out there that are not. The focus is still on the investments and the portfolio.

Questions to ask at your next meeting

It's possible that your life in retirement won't be the same as it was in the past. Are you planning on traveling? Do you plan on moving to a different state or downsizing? How much do you want to spend on a new car?

Daniel Lash says most people think they need a certain amount of money to survive. Is there anything else that comes along with living? You want to do all the things.

When and how you will need cash can be mapped out in your retirement plans.

Do you have an idea of where you want to live, and what kind of real estate is available there? Lash said something. They haven't thought about what they're going to do when they stop working.

You can't sign up for Medicare until you're 65 years old, but your income in the years before will affect what you pay for coverage. The Medicare Part B and Medicare Part D premiums are based on your modified adjusted gross income from the previous two years. You will have to pay an additional amount each month if you made more than $91,000.

Lash says that plans will be adjusted because they may be paying more in the first couple of years of retirement than later in retirement.

If your health situation changes, you can't change Medicare coverage later, so it's wise to consider guidance. An annual meeting is held with someone that specializes in Medicare. The clients are invited to the meeting.

How working past 65 can affect your benefits.

3. Can I afford to self-insure for long-term care?

A person turning 65 has a 70% chance of needing some kind of long-term care, and costs are steep: It's $54,000 a year for an assisted living facility and $95,000 for a shared room in a nursing home.

Kevin Brady says that some people are comfortable self-insuring. Others don't have a lot of assets.

It is important to discuss potential costs and savings if you have them. If you don't you'll need to run the numbers on products like long-term care insurance or a hybrid policy that combines permanent life insurance with a long-term care rider

Brady says that they work with an expert to do projections.

Start early, have a plan, and try a cash diet.

4. Do I have enough money to have some fun?

It isn't always about the tangibles when it comes to a successful retirement. Spending too frugally can make it hard for people to realize their dreams of travel and other experiences.

Kevin Lum says that often clients are overly conservative for fear of running out of money. They're too old to spend their wealth by the time they realize it.

It's a good idea to talk to your adviser about your big-ticket wishes and the amount of money you have left over.

Live it up now and enjoy the decline in spending as we get older.

Lum says that retirement spending looks more like a smile than a straight line, with more spending at the beginning on things like travel and more spending at the end on long term care needs.

Lum doesn't say people should spend irrationally. It isn't a smart idea to think about retirement spending as a fixed calculation.

Kate Ashford is a writer. Send an email to kashford@nerdwallet.com Kate Ashford has a verified account on the social networking site.