COUNTDOWN TO RETIREMENT

Young Couple Expecting
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30

Years to Go

30

Years to Go

Couple
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40

Years to Go

40

Years to Go

Young Family
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20

Years to Go

20

Years to Go

Man at Work
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10

Years to Go

10

Years to Go

Couple Dancing
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5

Years to Go

5

Years to Go

Young Business Colleagues
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Just

Getting Started

Just

Getting Started

Couple Dancing

5 Years to Go

You are considering life in retirement.  You want to enjoy your grandchildren. You are thinking about downsizing your home.  

This is the time to fine-tune your retirement plan. 

Think about:

Consolidating your IRA and 401(k) accounts

Determine your retirement income strategy

Determine your Social Security income strategy

Re-evaluate permanent life insurance and legacy options

10 Years to Go

You may be considering buying a second home.  Trying to plan how to take care of your aging parents with your family.  How you are going to finance your child's wedding. 

This is the time to determine when you want to retire and ensure you're on track to do so. 

Think about:

Consider a tax-deferred annuity

Explore long-term care insurance

Establish a legacy plan

Make 401(k) catch-up contributions

Man at Work
Young Family

20 Years to Go

You may be entering your peak earning years.  Looking to rejoin the workforce after having a family.  Trying to save or pay for your children's education. 

This is the time to develop a written retirement plan. 

Think about:

Pay off debts

Consider a Roth IRA conversion

Increase retirement savings and ensure adequate diversification

Increase funding of life insurance policies

Maximize 401(k) or IRA contributions

 
 
 

30 Years to Go

You may looking to advance your career, living on one income, moving into a larger home and starting a family.

This is the time to continue to grow your assets and think about tax-efficient diversification of financial products.

Think about:

Increase 401(k) contributions

Make extra mortgage payments

Start a Roth IRA

Consider disability insurance

Young Couple Expecting
Couple

40 Years to Go

You just started your first job.  You may be getting married and are looking to buy your first home with your significant other. 

This is the time to establish a systematic saving and investment plan. 

Think about:

Start contributing to 401(k) and/or IRA

Pay down student loans

Purchase permanent life insurance

Create a retirement plan

Just Getting Started

Remember the earlier you start planning and saving, the better prepared you will be to reach your goals in life as well as your retirement goals.

Let's meet to develop and maintain your retirement plan.

Young Business Colleagues
 
 
 

For educational purposes only and should not be viewed as financial, tax, or legal advice applicable to

each individual; please consult a qualified advisor regarding your individual circumstances.