Pre-Retirement
It is never too early to plan for your Life After
60. Whether you are just getting started in
your career or retirement is fast approaching, you are in
the extremely important “Accumulation Phase” of your life.
The financial decisions you make now can have the most dramatic
and profound effect on your future. While you are likely
to be in your top earning years, you and your family are also
most vulnerable to such risks as disability, premature death
or poor investment strategies. You may also find yourself
in the “sandwich generation”, where you are paying for your
children’s college while caring for elderly parents.
Regardless of which stage of life you are in, a well-thought-out
and comprehensive financial plan can give you the peace of
mind you need. Below are a few issues that should be
considered by clients in the accumulation phase.
Income Protection- It’s likely that you have insured
your home against a disaster. Have you considered how
disastrous it would be to your family if you lost your income
due to a disability?
Retirement Savings- Are you saving enough to provide
for the retirement you deserve?
Budgeting Cash Flow- Is there more money coming into
your household or going out?
Risk Management- Is life, health, disability insurance
adequate and cost effective?
College Planning - How much is college likely to cost;
and how will you fund it?
Contact our office for a no-cost consultation.
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