Retirement Planning

Approaching Retirement with Confidence

Our mission is to help you achieve your financial goals, whether short or long term. In particular, we want you to face your retirement with confidence and optimism. Yet we often feel that the confidence and optimism we work to give you are often under attack by media news in regards to your retirement. If it’s not Social Security’s imminent demise, Medicare is on its deathbed and pensions are at risk.

With many demands on your time, it’s likely that you haven’t heard more than sound bites on these topics. However, with a good understanding of your own situation, you have taken the first step. Some points to consider:

• Have you clearly defined your financial goals for both the short and long term?
• Are you coordinating your investments with your short- and long-term goals?
• Do you make investments based on how they will help you meet your goals?

A Key Question…

Are you positive that you will have enough money to live comfortably in retirement? Chances are, not many of you were able to answer that question with a resounding “yes.” Thus, we encourage you to come in for a retirement planning review. In this review, we will discuss your current retirement savings, your future needs, and ways to help get you there.

First, we will determine the value of your current retirement nest egg, which may include savings, insurance and employer retirement plans.

Then, we will look at how much money you will need for retirement. We will explore factors such as life expectancies, long-term-care costs, medical expenses and inflation. We will also discuss your particular goals for retirement. Whether you want to travel, enjoy hobbies, or work or volunteer part time, your style of living will determine your living costs during retirement.

Last, we will work together to create a financial plan that will help you meet your retirement requirements. We will choose investments that will help provide the growth you need, based on your risk tolerance and time frame for investing.

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