Retirement Planning

Retirement Planning for a Brighter Future

Serious retirement planning and investing is much more than your 401K program, stock portfolio and other investments. It’s really about evaluating your retirement dreams, goals, and envisioning your financial future. After reading this you may need to redefine retirement as a way to achieve your lifetime goals.

In order to develop a successful retirement planing strategy it will require your undivided attention. The good news is at the end of the process, even if you have had trouble saving in the past, a retirement plan will make it much easier. Look at this as the road map to achieving a brighter future. It is one thing to have retirement dreams, it is something else to know how you are going to make those dreams come true.

By no means is this information meant to replace your own research and consultation with retirement planning experts. But it will help you to think through the process and better understand what questions need to be answered.

Where to start? Try writing down your retirement dreams. The key is to define your dreams. Writing them down and seeing them everyday will help you achieve your dreams alot sooner.

Why is saving and investing so important? This may sound a little simplistic but we are living longer so we have to plan for our money to last as long as we do. Plus, it is wise to just have money saved incase of an unfortunate accident.

If you think Social Security may not be all that you hoped it would be, then you are in for a pleasant surprise. Social Security is a major source of retirement income, but it was never conceived to be your only source. In fact, less that half of the average retiree’s income is replaced with Social Security.

According to a recent Federal Interagency Forum on Aging here are some of the other sources of retirement income:

Pension-18%
Savings-18%
Income-23%
Social Security-38%
Other Sources-3%

If for any reason Social Security turns out to be less than expected, you need an income retirement plan that supplements your finances from one or more of these other sources.

Helpful Links

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