Secure Your Future with Retirement Planning

Retirement is a key stage in life that requires saving for throughout your career. If you choose

to retire, be financially secure prior to making that decision. Be sure that you have

accumulated enough assets and that your retirement income is able to sustain the kind of

lifestyle you desire throughout the rest of your life.

There are multiple options to choose from when it comes to retirement planning, each

possibly containing different features and benefits. Choosing the right one becomes an

overwhelming and daunting task. To simplify the process, focus on two key decision areas:

choosing the right financial planner/investment advisor and creating a plan that is balanced

and that you can “trust and verify,“ in the words of former President Ronald Reagan. Working with the right planner and implementing the proper plan will reduce the stress and worry in retirement and provide you peace of mind.

The Right Financial Planner and Retirement Plan?

The financial planner is critical to the success of your retirement plan and therefore, your

retirement enjoyment. You want someone both qualified and whom you feel comfortable with as you will be working intimately with this individual to develop, implement, and carry out a retirement plan to get you to and through your retirement.

Many people are not sure why it is in their best interest to have a tangible, living, and

breathing retirement plan. Planning for retirement and memorializing those plans builds trust

in the efficacy of your retirement while allowing for the ability to track your retirement plan

and verify its success. Once completed, you will be assured that:

1. You can meet your monthly expenses

2. You will not run out of money in retirement

These are the top two concerns of pre-retirees. It's best to have these issues resolved prior to retirement and not worrying about not having enough money while trying to simultaneously enjoy retirement. A workable retirement plan balances the following four principles:

• Growth

• Income

• Risk

• Liquidity

The company and financial planner you choose to entrust your retirement planning to must

know how to balance the potential for income and growth using your assets and then make a personalized retirement portfolio with the suitable liquidity and risk necessary to help you

achieve your retirement objectives. Not only will you have a more secure and worry-free

retirement using a financial planner but by creating a plan to follow throughout your

retirement, you maximize the opportunity to build a better and stronger financial life, family,

and home for generations.