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The Retirement Planning Guide
 


www.How-To-Retire.com - Retirement planning and investing for retirees


The Internet Guide To Planning Your Retirement


 

Note that these pages do not constitute financial or legal advice. They can, however, be used to help you prepare for a consultation with a qualified financial advisor or other expert


 

Introduction - You CAN Plan Your Own Retirement

Are you looking forward to your retirement? Whether you want to retire this year, or in 40 years, you can have the retirement you want if you plan for it. And yes, it does take planning – by YOU. Only you know what income and expenses you have now, and what you want your retirement to look like. Please don't think you can leave the planning of your retirement in the hands of a hired gun: a retirement planner.

 A retirement planner is, first and foremost, a salesperson. Many retirement “planners” spend the bulk of their efforts discussing different investment vehicles with their clients. Much attention is paid to presenting prospective retirees with usually incomprehensible and complex detailed charts and graphs showing the retiree potential annual percentages they can expect to earn on their money if put into a mix of financial products. Note: these are usually financial products which earn an elegant commission for the planner.

 All too often, however, retirement planners stare plainly through their clients as though transparent; interested primarily in providing an investment service, in earning a commission, and in moving along to their next almost-nameless customer.  Rare is the planner who will begin at the beginning; spending hours to make sure the client has laid out a careful map to retirement, taking into account the realistic cost of living today AND tomorrow, and who will help that client determine whether or not comfortable retirement is even genuinely possible at all. 

 This guide is not meant as the complete solution to your retirement plans.  

It's meant to make you savvy, so that you know what's appropriate for you, and so you know which questions to ask of any and all financial advisors. Look on this guide as a foundation for retirement planning; a universal set of principals and ideas that apply to most people in most situations--- so that you can plug in your own numbers and make some early decisions before taking the time to meet with a bonfire retirement planner. It is our hope that by reviewing this guide, readers will enter into discussions with planners having a better understanding of the big picture before being pressured into making a decision on how to invest their funds.

 You may review our information and determine that retirement is further away than you thought and, in that realization, you may save yourself considerable time and risk. Do not, however, attempt to use this guide as an end-all tool to create and live by a retirement plan. All information provided is intended only to give you more to think about, new angles to consider, and to provide a strong enough beginning for you to follow through more thoroughly in creating a solid retirement plan with an advisor only after you’ve educated yourself and are better-prepared to deal with them and to raise key questions in conversation that otherwise might never have come up at all.   

Be reminded of the old adage: Information IS power-- and use this guide simply to help you become more powerful, before dealing with the advisors who are already well steeped in financial investment lore.



 

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