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Retirement Solutions

By the time you retire, you'll need a nest egg that will provide you with enough income to fill the gap left by your other income sources. But exactly how much is enough? The following questions may help you find the answer:

  • At what age do you plan to retire? The younger you retire, the longer your retirement will be, and the more money you'll need to carry you through it.
  • What is your life expectancy? The longer you live, the more years of retirement you'll have to fund.
  • What rate of growth can you expect from your savings now and during retirement? Be conservative when projecting rates of return.
  • Do you expect to dip into your principal? If so, you may deplete your savings faster than if you just live off investment earnings. Build in a cushion to guard against these risks.

 

 

Can you afford the retirement you want?

Separate from the issue of whether you're emotionally ready to retire is the question of whether you're financially ready. Simply--can you afford to do everything you want in retirement? Of course, the answer to this question is anything but simple. It depends on your goals in retirement (i.e., how much the lifestyle you want will cost), the amount of income you can count on, and your personal savings. It also depends on how long a retirement you want to plan for and what your assumptions are regarding future inflation and earnings.  A retirement solutions specialist will be able to assist in answering these challenging questions.

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  • Investment Consulting
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Contact Us

Don't hesitate to get in touch with us.
We would love the opportunity to become your trusted advisor.

Phone: (760) 230-1880 x103
Fax: (760) 230-1341

Email: slewis@focusinvestment.com

511 Saxony Place #102, Encinitas, CA 92024

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The financial consultants at Focus Investment Advisors are registered representatives with, and Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Focus Investment Advisors, a registered investment advisor and separate entity from LPL Financial.

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