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Freeman's Blog


February 13, 2014

According to the US Department of Labor, fewer than half of Americans have calculated how much they need to save for retirement.1 In 2012, 30 percent of private industry workers with access to a defined contribution plan (such as a 401(k) plan) did not participate.2 And, with little to no planning, the average American spends 20 years in retirement.3

Live Now For The Future

I always consult with my customers about thinking ahead of the “now”. Even when you’re feeling the pinch of recovering from holiday spending or putting a child through college, your retirement money is not an ATM. When you use your retirement dollars as liquid and available cash, you often times will incur costly penalties and you cannot recoup the time it took to gather those nest egg dollars.

Rather, it’s imperative to plan early for any kind of spending you may want or need to do. I hear from many families that are stuck in the hustle-and-bustle of everyday life that there isn’t time to think about retirement and retirement planning. But, that’s why I can help. It takes a simple consultation to review where you are financially and where you want to be in the future so that a reliable strategy can be developed to get there.

Source: 1-3. US Dept of Labor “Top 10 Ways to Prepare for Retirement” http://www.dol.gov/ebsa/publications/10_ways_to_prepare.html

Watch My TV Segment

On “Skills To Pay The Bills” TV segment, I discuss the effects of using your retirement dollars like an ATM and how it can impact you immediately and in the future.

Make A Change For Your Retirement Future

Rather than thinking the same way about retirement planning, let me help you better prepare for the future. If you’re in Maryland, Washington, DC or Virginia, please visit my office for a free consultation.

Toll Free 1-866-471-7233.