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Get to Know Me Monday # 9 - Today I'm talking about Retirement Planning

Today I am talking about retirement planning.  Whatever stage you are in life, it’s a good time to think about retirement.



If you are just starting out in your career, contributing to a retirement plan may be the last thing on your mind, but even contributing 3% of your salary into a retirement plan will make such a huge difference down the road.



If you are in your 30s and 40s and have children, you may be a little overwhelmed with the costs of childcare, children’s activities, and saving for college and think that you will start contributing to your retirement plan later.  Unfortunately, that day may keep getting kicked down the road and then it may delay the age you want to retire.



If you are in your 50s and 60s, you are starting to think about retirement and wonder if you have enough saved to comfortably retire.



If you are in your 70s or older, you hopefully have already retired, but wonder if your savings will last your lifetime.



These are all things that I look at and make recommendations on when you engage me to prepare a financial plan for you. Retirement planning is one of the main reason people contact me to develop a financial plan.



When I prepare a financial plan, I look at your current and projected income, expenses, savings and investments, and liabilities.  We will discuss your goals and objectives and risk tolerance. Then I develop a customized plan for you and project the results for your lifetime. I will also review and recommend an investment asset allocation, discuss estate planning, and other concerns that you may have. Some financial advisors will run a quick projection based solely on your investments. Without looking at your spending habits and cash flow, the plan is incomplete.



Whether you realize it or not, you are living your current plan. You may be randomly saving money here or there, deferring money into an IRA but not paying attention to the allocation, or not doing anything deliberately  or focused and just hoping it will all work out.  You may have been continually saving and are now approaching retirement, but are reluctant to start withdrawing money and spending, unsure if you have enough saved.



Having a financial plan prepared will address these questions, make recommendations if changes are needed, help you establish a realistic retirement date, and hopefully provide the peace of mind for your retirement years.



I work with people from various income ranges and asset sizes.  Maybe starting on a financial plan is one of the goals you will want to set for 2022.



Please let me know if I can be of assistance.


Blog Archive

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  1. Posted on: 2022-01-10
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  3. Posted on: 2021-12-28
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  22. Posted on: 2021-05-04
  23. Posted on: 2021-04-06
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  25. Posted on: 2021-02-02