Retirement Made Simple for You

Despite what leading analysts and Wall Street prognosticators would have you believe, planning for retirement really isn't rocket science. To the contrary, it can really be quite simple. After all, it's just a matter of planning and preparing for the six common risks that you (and everyone else) will face in retirement. Do this and you're well on your way to a successful retirement. That's "Retirement Made Simple".

Of course, you don't have to take our word for it. Consider these recent headlines that highlight the need to make educated decisions regardind these common retirement risks and then call us with any questions you may have. We promise to give you straight answers to your questions and keep it simple. After all, it's not rocket science, but it is your retirement we're talking about!

RETIREMENT LIABILITY #1: Lack of Capital - You will either have enough of a nest-egg to continue your current lifestyle in retirement... or you won't! Learn about the many kinds of savings (asset accumulation) solutions available including mutual funds, traditional and Roth IRAs and company retirement plans. Learn how to save for your children's future education with tax-deferred college savings plans too!

• IRAs can help you start or augment retirement savings
• When to switch to a Roth IRA
• The Best and Worst 529 College-Savings Plans

RETIREMENT LIABILITY #2: Losses on Investments at an Inopportune Time - Losing all or a large portion of your money - particularly when you're just starting retirement - is often a hole that's impossible to dig out from. Implementing proper asset allocation strategies based on your risk tolerance and investment horizon along with regular portfolio rebalancing will minimize the risk so your retirement assets are there when you need them - in retirement!

• Where to hold your investments (CNNMoney)
• Holding too much company stock can hurt workers if company falters

RETIREMENT LIABILITY #3: Loss of Income due to Disability or Death - Accidents happen and unexpected events occur in all of our lives. Disability and death both can rob one of the ability to earn an income or support one's family. Implementing solutions to mitigate these serious risks are an important part of a comprehensive retirement plan and help protect the retirement dreams of you and your family.

• Is Your Nest Egg Cracked? Invest in disability insurance. (The Motley Fool)
• Protect Your Future Income With Disability Insurance (TheStreet)
  
• Suddenly, life insurance is cheap (MSN Money)
  

RETIREMENT LIABILITY #4: Long-Term Care - Flip a coin and you'll understand the risk you face of having a major expense for long-term care in you retirement - an expense that could consume your hard earned nest-egg. Since we're all living much longer today, we need to consider how to mitigate this very real and growing risk.

• When to get long-term care insurance (CNN Money)
• Single women should consider long-term care insurance as part of retirement plan
  
• Staying at home an option with home health care
• Planning for the price of living longer

RETIREMENT LIABILITY #5: Longevity - With better health care and increasingly longer lives, having "life left at the end of your money" is now a major new concern. Implementing strategies that maximize income and/or growth and creating streams of income that cannot be outlived are some of the ways to ensure our income lasts as long as we do.

• Tips to ensure your nest egg will last as long as you do
• Annuities provide steady future income

RETIREMENT LIABILITY #6: Litigation - Individuals and particularly business owners face tremendous litigation risks that could threaten even the most solid of nest-eggs.

• The Asset Protection Boom
• Asset Protection - 401(k) plans
• Creditor Protection for Retirement Accounts