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Addressing a Retirement Savings Shortfall
Addressing a Retirement Savings Shortfall 1600 1066 smolinlupinco

Some potential ways to make up ground at mid-life.

Need to save more for the future? If you face the challenge of rebuilding or creating your retirement fund after 40, here are some steps that may help you.

Strive to max out your Individual Retirement Account or workplace retirement plan contributions. In 2018, you can put up to $5,500 in an IRA and $18,500 in a 401(k) or 403(b) plan. If you are 50 or older this year, you can contribute up to $6,500 to an IRA and $24,500 to a 401(k) or 403(b).1

Ask for a raise. See if you can earn more from your current job. If not, consider applying for one with better pay or retirement benefits, or explore additional income streams.

Generate less debt. Every dollar that doesn’t go to your creditors is a dollar you can put toward retirement. What unnecessary living expenses can you trim?

Think about staying in the workforce a little longer. For each year you keep working, you have one less year of retirement to fund—and one more year for your investment accounts and savings to potentially grow without being drawn down.

This will take discipline. Real progress is possible: if you are 50 and save and invest $15,000 a year at a 7% return, you could have more than $400,000 for retirement by age 65.2

Qualified accounts such as 401ks and traditional IRA’s are accounts funded with tax deductible contributions in which any earnings are tax deferred until withdrawn, usually after retirement age. Unless certain criteria are met, IRS penalties and income taxes may apply on any withdrawals taken prior to age 59½. RMDs (required minimum distributions) must generally be taken by the account holder within the year after turning 70½ .

 

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. LPL Financial Representatives offer access to [Trust Services through The Private Trust Company N.A.], an affiliate of LPL Financial. To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity.

Not FDIC or NCUA/NCUSIF Insured No Bank or Credit Union Guarantee May Lose Value

Not Insured by any Government Agency Not a Bank/Credit Union Deposit

1 forbes.com/sites/ashleaebeling/2017/10/19/irs-announces-2018-retirement-plan-contribution-limits-for-401ks-and-more/ [10/19/16]
2 usatoday.com/story/money/personalfinance/2016/01/26/5-simple-ways-catch-up-your-retirement-savings/77718908/ [1/26/16]

6 Ways to Fund a Working Mom’s Retirement
6 Ways to Fund a Working Mom’s Retirement 150 150 smolinlupinco

“Americans—women especially—aren’t getting the message that they need to start saving for retirement with their very first job,” says personal finance columnist Liz Weston, author of Deal With Your Debt.

As a working mom, whole weeks may go by without the chance to sit down or even think. You’re managing a career, making decisions for your family, and caring for kids and often parents, too.

It’s not easy, then, to hear about one more job that needs your immediate attention: retirement planning. But let’s just be blunt, women are almost twice as likely as men to wind up living below the poverty line during retirement.

Here are six tips to help you prepare for retirement:

1. Budget Carefully

The cost of everyday things can make saving difficult. You may need to budget to meet some goals. A simple start: track daily spending with a spreadsheet or pencil and paper.

2. Save for Retirement

Retirement savings should be one of your top priorities. If you think you can’t find the money, tell yourself you can’t afford not to. “For women it’s critical because we are more likely to outlive our partners,” Weston says. “Falling behind early on is even worse for us I think, because we have to make that money last so much longer.” Women’s tendency to care for others first “can compromise their families’ futures,” concludes Prudential’s Women & Money poll, a survey of women aged 25 to 65 in all income brackets. Putting children’s education first now could cause you to jeopardize their financial well-being if you have to depend on them when you are older.

3. Keep Hands off Savings

You may be tempted to break into your nest egg. Don’t do it. Let time, the great fertilizer of money, grow your funds.

4. Negotiate for a Raise

You’ll need to boost your earnings with regular raises. For women, that can be a tricky process, says this New York Times article about navigating gender stereotypes to get ahead at work. Prepare yourself by:

  • Collecting metrics showing the value of work you’ve done.
  • Keeping track of positive feedback.
  • Researching salaries and negotiation tactics.

5. Upgrade Your Skills

If you’re earning too little, you may need more training or to enter another line of work. Before leaping, research costs and benefits, salaries, job availability, and prospects for advancement. Don’t be afraid to seek jobs that pay more.

6. Become an Investor

Women’s fear of financial matters often undermines their success. Ironically, research shows they may be better at investing than men, according to The Washington Post. Be involved in managing your money. Learn all you can about sensible risk taking and investing. Interview many financial advisors until you find one who makes you comfortable.

Contact a financial advisor today.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which course of action may be appropriate for you, consult your financial advisor.

Liz Weston is not affiliated with LPL Financial. This material has been prepared by LPL Financial, a registered investment advisor, member FINRA/SIPC.

To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity.

Not FDIC or NCUA/NCUSIF Insured | No Bank or Credit Union Guarantee | May Lose Value Not Guaranteed by any Government Agency | Not a Bank/Credit Union Deposit

© 2016 LPL Financial LLC. All Rights Reserved. The information contained herein has been prepared by and is proprietary to LPL Financial. It may be shared via social media in the exact form provided, in its entirety, with this copyright notice.

Failure to Launch: Get your kids out of your 401(k)!
Failure to Launch: Get your kids out of your 401(k)! 150 150 smolinlupinco

Mary Stewart and her husband refer to themselves as “under protective” parents. They taught their kids to be financially independent but their daughter Abbie landed back home after finishing school.

After a month of watching TV all day, Mary gave Abbie an ultimatum to “get a job, go to school or find a new place to live.” A month later, her daughter was employed.

The Stewarts’ mix of support and tough love isn’t the norm. When grown kids struggle to launch, some anxious, middle-aged mothers and fathers may fall into the parent trap—overextending themselves and ravaging their 401(k)s.

60% of parents provide financial support to their grown children. 

The recession upped the number of boomerang children returning home because they either lost their jobs or couldn’t find one after graduating, said the U.S. Department of Education in a January 2014 study. An online survey by the National Endowment for Financial Education in 2011 found that almost 60 percent of parents provided some form of financial support to their children once they finished school.

The price can be high. About 25 percent—one in four parents—said they’d taken on additional debt, 13 percent put off a major life events such as buying a house or taking a vacation and 7 percent were forced to delay their retirement. How can you avoid the parent trap? Here are five ways to help the kids without depleting your savings.

1. Determine Your Own Retirement Needs—Then Calculate How Much Is Left for College or Kick- Starting a Child’s Launch

In her legal practice, Mary Stewart has witnessed what happens when parents ignore this financial planning fundamental, observing in some cases, “When they retire, they’re destitute, and their kids don’t help.”

2. Avoid Overextending Yourself

Students can take out loans if you’re unable to pay for all or part of college. They’ll have skin in the game and start establishing credit.

3. Set Clear Limits

When an adult child moves back in, spell out how long they can stay and what’s expected such as paying rent or chipping in for groceries and utilities.

4. Provide a Set Amount of Money

It’s one way for kids to learn budgeting while covering necessities such as health and car insurance.

5. Foster the Habit of Saving

When kids start working, encourage them to contribute to a Roth IRA and, if you can afford it, consider matching their contributions.

This approach allowed the Stewarts’ children to land on their feet. But their mother admits she would have done one thing differently: no free room and board. “Once they get a job, they ramp up their lifestyle since they’re not paying for things and don’t feel they can move out,” she says.

Instead, charge some rent and consider surprising them by returning it in the end. Even better—subsidize rent elsewhere, phasing it out as they become financially independent. Once kids learn to live within a budget, parents will be better positioned to ramp up their retirement savings.

It’s never too early to get financial advice. Contact your financial advisor to help you and your children get back on track. 

The Rising Tide of Consumer Debt
The Rising Tide of Consumer Debt 150 150 smolinlupinco

Consumers are borrowing again, making a big economic splash. Historically, spending stimulates the U.S. economy, but too much debt can harm overextended consumers. Have spending or investment questions to help manage your debt? Talk with an LPL financial advisor today.

Mortgage Debt – $8.36 trillion: Up 1.37% (+12B)

Good news: While borrowing peaked, balances fell for the lowest credit score borrowers – the core of the subprime mortgage crisis. Consider financing at lower rates.

Student Loan Debt – $1.26 trillion: Up 2.2% (+.027B)

Swelling debt for college grads can affect their ability to buy cars and homes later. Start making payments immediately and pay more than the minimum amount.

Auto Loan Debt – $1.103 trillion: Up 3.6% (+39B)

Spending on big-ticket items is rising, helping the economy do the same. Determine if you can make additional payments towards the principal amount.

Credit Card Debt – $729 billion: Down 0.5% ($4B)

Consumers are spending again, but more mindfully. Don’t keep adding debt; pay off higher interest rates first and consider consolidating.

Baby Steps for Planning Your Child’s Financial Future
Baby Steps for Planning Your Child’s Financial Future 150 150 smolinlupinco

Start your child on the right path from Day 1.

Open a Savings Account

Most banks make it easy to transfer money into a savings account on a regular basis—you can even start before your baby arrives. Think of it as your go-to fund for supplies and surprises.

Modify Insurance Coverage

First, add your newborn to your health plan. Then, make sure your life insurance policy includes your growing family. Next, update beneficiary designations on 401(k)s and IRAs.

Create an Estate Plan

No matter how old you are, plan to protect your family and assets. Update your will and trusts, and put in writing who will take care of your child if you’re not around.

Start a College Fund

Yes, college may be 18 years away, but starting to save early is the key. Take a look at tax-advantaged investment options—such as a 529 plan—and make regular contributions.

Contact your financial advisor to help you take the first steps
to securing your child’s financial future.

Suddenly Single: Navigating the Financial Transition of Divorce
Suddenly Single: Navigating the Financial Transition of Divorce 150 150 smolinlupinco

Download the Checklist

While divorce is never easy, thoughtful planning can help ease some of the pain. Here are key things you can do to keep on track while transitioning to your new financial life.

Before a Divorce

Gather and organize important documents

  • Each spouse’s (and child’s) birth certificates, Social Security Cards and passports
  • All mutual bank, brokerage, and retirement account statements
  • All insurance policies, including life, health, homeowners and auto
  • Past tax returns for five years
  • Mortgage or home-equity loan documents
  • A list of outstanding bills or personal financial obligations
  • Real property deeds and motor vehicle titles (pink slips)
  • Credit reports
  • Any wills or trusts

Make an inventory list

  • All household goods with pictures of valuable items (if possible)
  • Personal (non-marital) belongings
  • Contents of any safe deposit boxes or storage units

Assess your financial situation

  • Employee benefits for each spouse
  • Expenses of each spouse
  • Income of each spouse

During a Divorce

Separate your finances

  • Set up a new checking and savings account at a bank other than the one with your joint account
  • Open a new credit card in your name only
  • If appropriate, change beneficiaries of life insurance, 401(k)s, etc.

Consult your financial advisor about how best to divide your investment assets

  • IRA assets may be divided as a tax-free transfer if spelled out in divorce documents
  • Qualified plan assets will require a qualified domestic relations order (QDRO) detailing the disbursement
  • Non-retirement investment assets (such as brokerage accounts) can be divided without court documents

Prepare for the meeting with your attorney

  • If you have children, know your wishes regarding custody, visitation and child support
  • Decide whose health insurance should cover the children
  • Evaluate your earning capabilities and whether or not alimony should be considered
  • Decide which assets you really want to keep
  • Calculate how much outstanding debt there is on any assets you wish to keep
  • Know your feelings about keeping/selling the family home

After a Divorce

Reorganize your finances

  • Create a new monthly and yearly budget that reflects your current lifestyle
  • Re-evaluate your financial goals, plans for new goals going back to school?)
  • Re-assess your insurance needs, including life, health, and property and liability
  • Take a look at your tax situation, including tax filing status, credits and deductions
  • Update your will

Manage your credit

  • Order a copy of your credit report and check for inaccuracies (especially with any joint accounts that may be closed)
  • Continue to monitor your credit in case issues crop up months, or even years, later
  • Pay off all debts you agreed to pay in the divorce, and make sure your ex has, too
  • Work to establish a positive credit history in your name
  • Help your children adjust to a new financial reality— avoid overspending out of guilt

Face the future with confidence

  • Seek support if you need it
  • Find time for yourself
  • Take a deep breath, and know that you can do this

Need additional guidance? Contact your financial advisor today.

9 Essential Estate-Planning Documents
9 Essential Estate-Planning Documents 150 150 smolinlupinco

Dying intestate (will-less) leaves your heirs with a potential mess. And yet, 61% of Americans die without one, says a recent Harris Interactive poll for RocketLawyer, a legal website. In fact, 28% of us would rather do anything than make a will.

Without a will, a probate court decides where your property goes; it can take months—sometimes years. Money you intended for heirs and good causes may go to pay lawyers.

Do you have young children? If your will doesn’t name their guardians, a court will do it. And what about Fido and the kitties? Their future is up for grabs if your will doesn’t spell it out.

To truly sort out your estate planning, prepare these nine documents and your heirs will thank you eternally:

1. Will

A will gives you a voice when you’re gone. Use it to appoint guardians and to distribute possessions, like money and jewelry. Make requests, like having your ashes scattered on Mount Kilimanjaro. Hire an attorney or make a simple will yourself, using a book or software, and have an attorney review it. Make updates as life changes—when you marry, for instance, or divorce or have children.

2. Trust

A revocable living trust can help you pass assets to heirs, sidestep probate, reduce estate tax and minimize potential lawsuits. Your trustee manages your estate when you’re gone. Unlike a will, a trust won’t become public record in a lawsuit.

3. Healthcare Power of Attorney + Living Will

Name someone to make medical decisions in case you cannot, and to enforce your wishes about treatments you do and don’t want. Combined, these documents are an “advance directive.”

4. Dependable Power of Attorney

Appoint someone you trust unquestioningly to make legal decisions if you can’t.

5. Beneficiary Designations

When you open bank accounts or buy financial products, you name beneficiaries to inherit the assets. These simple forms trump even a will. Update them as your life changes.

6. Life Insurance

If your death would financially devastate loved ones, you should consider buying life insurance. You may purchase enough for 10 times your annual salary. “Term” insurance (for a limited time) is often cheapest.

7. Provision for Digital Assets

What do you want done with your computer’s hard drive, electronic photos, data stored in the cloud, and online accounts? Include your passwords.

8. Letter of Intent

A letter has no legal force, but you can use it to convey private requests, thoughts, wishes, or perhaps information you didn’t share in life.

9. List of Documents

List the important stuff: life insurance policies, deeds, pensions, retirement accounts, bank accounts—all of it. Include account numbers, passwords and tell where they’re stored. Keep the list separate—somewhere easy to find—to tell survivors where your documents are stored. Keep in mind that life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details.

Need additional guidance? Contact your financial advisor today.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which course of action may be appropriate for you, consult your financial advisor.

This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

LPL Financial representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

This material has been prepared by LPL Financial. A registered investment advisor, member FINRA/SIPC.

To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity.

Not FDIC or NCUA/NCUSIF Insured | No Bank or Credit Union Guarantee | May Lose Value Not Guaranteed by any Government Agency | Not a Bank/Credit Union Deposit

© 2014 LPL Financial LLC. All Rights Reserved. The information contained herein has been prepared by and is proprietary to LPL Financial. It may be shared via social media in the exact form provided, in its entirety, with this copyright notice.

LPL Tracking #1-276901

Start Saving for Long-Term Healthcare
Start Saving for Long-Term Healthcare 150 150 smolinlupinco

At least 70% of American adults will need long-term care services and support sometime in their lifetime.* How will you plan to pay?

Reasons to Save: Median Costs are Rising*

  • Private Nursing Home Room: $87,600
  • Assisted Living Facility: $42,000
  • Home Health Aide Services: $45,188

Income often falls short of expenses. $31,742 is the average income for people age 65+.**

How to Pay: Plan Ahead to Lessen the Negative Impact*

  • Out-of-Pocket: Costs vary greatly by state-around $8,000 per year to upwards of $100,000 per year; start saving early.
  • Medicare & Medicaid: Benefits may be available for home healthcare, but only if certain conditions are met. Don’t assume you’ll be covered.
  • Insurance: Helps pay for care and protects assets up to the amount of your policy. Evaluate coverage options before you need it.

It’s never too early to start planning for your tomorrow, today. Contact your financial advisor to help you prepare.

Sources:
*Genworth Cost of Care Survey 2014
** AARP Analysis of Census Data

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which course of action may be appropriate for you, consult your financial advisor. This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor. LPL Financial representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.This material has been prepared by LPL Financial. A registered investment advisor, member FINRA/SIPC. To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity. Not FDIC or NCUA/NCUSIF Insured | No Bank or Credit Union Guarantee | May Lose Value Not Guaranteed by any Government Agency | Not a Bank/Credit Union Deposit © 2014 LPL Financial LLC. All Rights Reserved. The information contained herein has been prepared by and is proprietary to LPL Financial. It may be shared via social media in the exact form provided, in its entirety, with this copyright notice. MKT-0126-0814 LPL Tracking # 1-278921

5 Tips to Avoid the Sandwich Generation Squeeze
5 Tips to Avoid the Sandwich Generation Squeeze 150 150 smolinlupinco

Susan and Derrick Friedman have reached their early 90s just as their four children have entered their retirement years. The Friedman siblings are part of the Sandwich Generation; Baby Boomers who may find themselves caught in a new financial paradox: how to retire while caring for both elderly parents and young adult kids— Millennials who still need financial assistance.

As life spans increase, so do the number of Baby Boomers who fit this description. A 2013 Pew Foundation survey found that half of the Baby Boomers have aging parents and are raising a young child or supporting a young adult. And at least 15% provide financial support for both their parents and children. This new trend threatens to squeeze Boomers’ finances and put their retirement nest egg at risk—unless they learn how to navigate the looming pitfalls.

That’s what the Friedman children did—with some assistance. They spoke to a geriatric consultant and gathered valuable tips about how they could avoid moving their parents into a costly retirement facility. Here’s five of the most important lessons for Boomers:

1. Protect Your Retirement Assets – Put Yourself First

Don’t sacrifice your own financial health by raiding your retirement savings to cover college tuition or your parents’ long-term care. Consider student loans and ways to stretch parents’ assets. In the case of the Friedmans, the consultant explained that as income from the sale of the family home dwindled, they might qualify at some point for subsidized care giving, critical to living on their own.

2. Anticipate Your Financial Needs

Plan ahead for the possibility that kids may move back home and aging parents will require financial help, increasing your monthly reserve.

3. Consider Long-Term Care Insurance for Your Parents and You

Price policies and learn what’s covered—it may help defray some of the enormous expense of nursing homes. (Insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details.)

4. Research Tax Breaks for Caregivers

If your parents live with you for half the year, you may be able to pay for caregivers and other expenses by claiming the dependent-care credit on your tax return or contributing to an employer’s dependent-care flexible spending account.

5. Set Clear Financial Limits When Kids Move Back

Encourage them to work or pay some rent.

If they hadn’t reached out for advice, the Friedmans’ children wouldn’t have considered applying for Veterans Administration benefits. “Now they’re more willing to spend on what they need—drivers and caregivers,” says Dana Friedman Roberts. “And that’s reduced the help they need from us.”

Explore every option and contact your financial advisor today.

 

 

This is not an actual client or client experience. This is a hypothetical example and is not representative of any specific situation. Your inidividual circumstances and results may vary.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which course of action may be appropriate for you, consult your financial advisor.

This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

LPL Financial representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

This material has been prepared by LPL Financial. A registered investment advisor, member FINRA/SIPC.

To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity.

Not FDIC or NCUA/NCUSIF Insured | No Bank or Credit Union Guarantee | May Lose Value Not Guaranteed by any Government Agency | Not a Bank/Credit Union Deposit

© 2014 LPL Financial LLC. All Rights Reserved. The information contained herein has been prepared by and is proprietary to LPL Financial. It may be shared via social media in the exact form provided, in its entirety, with this copyright notice.

LPL Tracking #1-276904

A 5-Year Countdown to Retirement
A 5-Year Countdown to Retirement 150 150 smolinlupinco

Five years before they retire, older workers start focusing seriously on the big changes ahead, says Emily Guy Birkin, in her book, The 5 Years Before You Retire: Retirement Planning When You Need It the Most.

In those last few years, you can get a lot done. Here is a countdown of some of the tasks needed to prepare for retirement.

Five Years to Go

Estimate

Consider your health and family history to estimate your lifespan and to determine how long your retirement funds need to last.

Calculate

Add up your monthly retirement income (without windfalls or inheritances) from:

  • Pensions (including any cost-of-living adjustment)
  • Social Security (estimate benefits by going to the Social Security Administration website: www.ssa.gov)
  • Other income—a rental property or part-time job, for instance
  • Assets you’ll sell, such as real estate or a business
  • Income from retirement accounts
  • Annuities, municipal bond dividends and interest

Build up

Collect every penny of an employer’s 401(k) match; in addition, consider increasing your retirement savings by at least one percent.

Anticipate

Use online retirement calculators to see if your savings and income will last for your projected lifespan; take inflation into account.

Insure

Consider disability insurance if the inability to work could upend your plans.

Four Years to Go

Budget

Itemize an entire year’s spending to create your retirement budget. Include out-of-pocket medical costs, long-term care, taxes and inflation.

Pay down

Retire all debt possible, including mortgages, vehicles, credit card balances and other loans.

Plan

Think about downsizing. If you’re going to stay put for now, research fallback options for the future.

Insure

Price long-term care insurance and weigh pros and cons. If someone depends on your income, consider purchasing life insurance.

Consult

Talk to your financial advisor for help on running your numbers on sophisticated planning software, spot planning gaps and refine your investment strategy.

Three Years to Go

Catch up

Complete postponed home-maintenance tasks. If possible, get ahead of anticipated repairs
and replacements.

Decide

Contact the Social Security Administration to learn about taking benefits earlier rather than later, and choose when you’ll claim your benefits.

Study

Learn all you can about converting savings to an income stream; and plan how you’ll withdraw your funds, including how to meet required minimum distributions.

Supplement

If money will be tight, find a second source of income. For example, take in a boarder or start a business on the side.

Assess

Decide the bare minimum you need for a comfortable retirement. Can you fill any income gaps or should you adopt a longer horizon?

Two Years to Go

Test

Live on your retirement budget to see where it needs adjusting.

Plan

Write a will and consider establishing a trust. File healthcare directives and appoint a legal power of attorney.

Disconnect

Tell adult children, lovingly, that they’re on their own financially.

Regroup

If you can’t afford to retire, then don’t, says Birken. Run your worst-case scenario with a financial planner and work longer, if possible. Delay collecting Social Security and cut spending to the bone.

One Year to Go

Decide

Contact the Social Security Administration to learn about taking benefits earlier rather than later, and choose when you’ll claim your benefits.

Roll over

Plan whether and where to roll over workplace savings when you retire.

Replace

Buy new vehicles to replace older ones.

Sign up

Research Medicare and supplemental medical plans and enroll in Medicare three months before your 65th birthday.

Consult

Seek professional help before withdrawing income from your retirement portfolio.

 

Don’t delay. For help planning for your retirement, contact your financial advisor today.

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