The number of people who are financially unprepared for retirement is staggering. One study revealed that more than half of the adults in the U.S. were planning to depend solely on Social Security for retirement income. Another study indicated that the great majority of Americans do not save nearly enough money. To enjoy your retirement years, you need to begin planning early. With longer life expectancies, people need to begin planning and saving for retirement in their 30's or sooner. Its never too late to start or to improve your retirement plan. We can help you with questions like, should I invest in a Traditional IRA or a Roth IRA; should I convert my Traditional IRA to a Roth IRA; what kind of retirement plan best suits my small business.
Once you have started saving for retirement, we can help you choice the investment vehicle that fits your risk tolerance; Certificates of Deposit; Bonds; Stocks; Mutual Funds. Most financial planners sell investments like Mutual Funds or Annuities. Those are loaded funds with huge fees being charged and coming directly from your invested funds. We can help you find No Load Mutual Funds where you buy the funds directly from the fund family and there are no fees except our hourly rate for our time spent.
