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Top 10 Retirement Planning Checkpoints: Your Guide to a Successful Future

Planning for retirement is crucial, and these top ten checkpoints will guide you to a secure financial future. From assessing how much you need savings to explore Social Security benefits, timing your investments, and understanding various insurance options, each step is essential. Learn how to create savings even with modest incomes, prioritize your goals, and involve family in the planning process. Remember, retirement planning is not just about money—consider housing, travel, and emotional well-being. Start early and be proactive to enjoy the retirement you deserve.

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Top 10 Retirement Planning Checkpoints: Your Guide to a Successful Future

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  1. Top 10 Retirement Planning Checkpoints

  2. #10 Take Me Out to the Ball Game • Will you be watching the game from left field or a box seat behind home plate? • Hit a home run – how much do you need for retirement? • Visit www.asec.org/ballpark

  3. #9 Send for Social Security Benefits Estimate • Social security was designed to supplement other income sources • Review regularly to detect any errors • Visit www.ssa.gov

  4. #8 When Will You Pay Yourself? • A dollar today is worth ? tomorrow • Time value of money • Consequences of delaying saving • Better late than never, but better early than late!

  5. #7 Taxing Matters • Tax consequences are only one factor in decision making • Principle and gains may be • Taxable • Tax-deferred • Tax exempt

  6. #6 But, I Don’t Have Any Money to Save • No matter how modest your income, you CAN save • Take our 30 day challenge – start today! • If you don’t care about your retirement income who will?

  7. #5 Retirement Planning Is More Than Money • Housing • Travel • Social • Emotional • Transition process - don’t be taken by surprise

  8. #4 Time In, Not Timing, the Market • Risk vs. Return • Today is the best day to begin saving

  9. #3 Know Your Benefits • Disability insurance • Life insurance • Retirement plan/income • Health care • Long term care insurance

  10. #2 Life-cycle Financial Planning • Needs and approaches change • Early career • Mid career • Late career • Be careful of falling into the “American Way” of debt management rather than managing long term savings

  11. How Do They Compare?

  12. #1 Define Your Goals • Think’em and ink’em! • But don’t chisel’em in stone • Involve family members • Individual goals • Family goals • Put’em where you see’em

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