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Planning for Retirement While Living With HIV

Stephen Osgood and Jeff Berry
Long-term HIV survivor Jeff Berry (right) with his husband, Stephen Osgood. Berry, 60, used a financial planner to help him prepare for retirement.
Courtesy of Jeff Berry
    Michael Luciano in front of Palmetto Community Care van
    "I'm heading into retirement with not much more I'm sure of than Social Security, and that's frightening," says Michael Luciano, 52.
    Palmetto Community Care
    Tim Murphy

    Tim Murphy

    @TimMurphyNYC

    Tim Murphy, based in Brooklyn, has been writing about HIV/AIDS for 25 years, for publications and organizations including TheBody, TheBodyPro, POZ, New York Magazine, The Nation, Housing Works, and Lambda Legal.