Get the Advice You Need for Your Retirement

A view of the sea water from the boatSmart retirement planning requires detailed research, due diligence, suitable investment products and the ability to manage varying levels of risk.

Important questions to consider

Whether by phone or in person, prepare for your retirement planning meeting with the following key questions — and make certain you leave with a thorough understanding of the answers.

  • What factors do I need to consider to help ensure I’m on track to reach my retirement goals? In advance of the meeting, your financial consultant will ask you to provide details about your goals and financial situation, such as current savings and planned retirement age. Based on that information, you’ll receive a detailed report outlining your progress on these goals. You can then discuss what adjustments to make to help you stay on track.
  • How should I be invested now? You need to acquire an appreciation of your asset allocation — the mixing of your assets (e.g., stocks, bonds and real estate) in your investment portfolio. Your portfolio’s asset allocation is the biggest driving force behind its performance. And based on your specific goals, circumstances, and needs, your assets need to be invested in a way to help you maximize results. The personalized report generated by the consultant will offer suggested investment mixes, based on factors such as your time horizon, investment objectives and tolerance to fluctuations to your portfolio. Please note: There is no guarantee that asset allocation reduces risk or increases returns.
  • How should I leverage my investments as sources of retirement income? As you transition into retirement, you’ll want to establish a set source of regular income to help secure your basic living expenses. While some of that income may be derived from Social Security and possibly a private pension, it may not be enough to sustain you and your dependents for decades.
  • If I become incapacitated, who will make my investment decisions? To ensure your assets continue to serve your income needs and those of your loved ones, you can appoint a spouse, partner or someone else via a durable power of attorney to make financial and legal decisions on your behalf. Your financial consultant can discuss different options further with you.
  • What will happen to my income after I die? Your financial consultant can guide you on different income planning scenarios, including ones that can continue to provide income to a spouse/partner or another beneficiary.

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