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Years Of Retirement Planning Experience
Our seasoned team of financial professionals have been in the financial services industry for decades! We know what it takes to create a sound retirement plan custom for you.
Our financial expertise ranges across multiple levels, incorporating tax law knowledge, estate planning, and more so we can prepare your plan as accurately as possible.
Retirement plans often change as time goes on. We consistently will meet with you to keep your plan up to date and adapted to your current situation.
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Chris Calandra CFP®
Certified Financial Planner™
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Don't Make These 4 Money Mistakes If You're On The Homestretch To Retire
Nearing retirement, your thoughts start to drift farther and farther away from the job at hand and closer to what you’ll be able to do in all that free time - catch up on some reading, enjoy an afternoon on the back nine or travel the world with your husband or wife. But as you get closer and closer to your retirement party, it’s important to stop and assess you and your spouses’ readiness for retirement. Here are 4 of the most common mistakes soon-to-be retirees make regarding their money, so you can prepare now to make your transition into retirement a bit smoother.
1: Neglecting To Create a Retirement Plan
The first (and one of the biggest) money mistakes any pre-retiree can make is not heading into retirement with a plan. If you don’t understand how much you should have to retire comfortably, you won’t know if you’re on track.
2: Waiting To Start Saving
Once you’ve created your retirement plan and discovered how much you and your spouse need for retirement, it may become clearer as to why you shouldn’t delay the savings process. Give your money the years (or decades) it needs to collect interest and grow into what you’ll need in retirement.
3: Underestimating Healthcare Long-Term Care Costs
Those between the ages of 65 and 74 spend an average of $5,956 in healthcare costs annually, not including any type of long-term care. Whether that sounds like a lot to you or not, the number can certainly add up over time and eat into your retirement savings, especially if an unexpected injury or illness occurs.
4: Underutilizing Tax-Advantaged Accounts
Never underestimate the impact taxes can have on your income now and through retirement. Both traditional and Roth IRA and 401(k) options can provide tax-advantaged opportunities that can make a difference in your retirement savings.