Have You Started Planning for 退休?
It's never too early or too late to start planning for retirement. If you haven't thought about your ideal retirement life, it's a great place to start your retirement planning. 现在12bet官方的寿命更长了, so you'll likely have many healthy years to explore your retirement lifestyle. To inspire you, here are some of the 不同的想法 U.S. workers have about how they'd like to spend retirement:
- 65% -旅行
- 59% - Spending time with friends and family
- 51% -追求爱好
- 38% - Doing some type of paid work
- 26% -志愿服务
- 20%——创业
- 17%——追求再续职业生涯
- 14% -在同一领域工作
将你的愿景变为现实
Whether you have a fully formed retirement vision or not, the important question to nail down is how you will pay for it. 退休 funds come from a variety of sources, and many retirees have multiple sources of income:
- 社会保障福利
- 养老金
- 储蓄
- 继承
- 12bet官方
- 投资账户
- 税收优惠的账户
你有哪一种, 你应该加上哪一个?, and how much of your income must each source generate? What should you do now to prepare?
什么是退休计划?
退休 planning involves the evaluation of expenses, 收入来源, savings levels and precautions to 限制风险. It can include a discussion of where to live, 是否裁员, 何时停止工作, 还有其他你特有的因素.
退休 planning is about managing your money so you can live the lifestyle you want later in life. 带着你的愿景, a qualified retirement planner can help you determine what your preferred lifestyle will cost and the savings and 投资 needed to support it. 看看12bet官方的 退休计划计算器 作为起点.
What Does a 退休 Planner Do?
专业退休计划 helps you determine your goals and understand what you need to do to achieve them. When you engage with a Forest Hills Financial Group (12bet备用网址) financial advisor, you have an experienced professional at your fingertips to walk you through the retirement planning process and to continue to advise you through any life changes that occur over time.
Your 12bet备用网址 advisor is a qualified financial professional with experience in retirement savings vehicles. The first step is for your advisor to listen to you and understand your current position and goals. Our retirement professionals advise you on decisions that fundamentally affect your future:
- When should I take my 社会保障福利 to optimize value?
- 什么样的? pension distribution should I take?
- 我应该还清抵押贷款吗?
- 什么类型的? 投资 会是我最大的优势吗?
- Is a Roth or traditional 401k best for me? (试试12bet官方的计算器)
- 什么样的? 保险 最好限制我的风险?
- Is disability 保险 paycheck protection 适合我?
- When should I begin thinking about 遗产规划?
选择退休规划师
If you're wondering how to choose a financial professional for retirement, 你来对地方了. For more than 41 years, 12bet备用网址 has been helping people like you prepare for their ideal retirement. As an independent firm, we answer to you and you alone, not corporate shareholders. Creating a retirement plan that allows you to live as you desire in your golden years is our only goal.
和, when it comes to choosing a financial advisor to help plan your retirement, 选择权在你, 不是12bet官方的. 在12bet备用网址, we believe the right client-advisor relationship is of the utmost importance, because great relationships tend to produce great results. That's why we encourage clients to complete our Financial Advisor questionnaire.