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- Now is the time to finalize your retirement
plans. Questions such as will you work part-time and will you
move will impact not only your investment decisions but your
life. Here are some good points to follow.
Check Safety Net
- Be sure you have an adequate amount of liquid
funds for emergencies
Review Insurance Coverage
- Ensure that you have disability insurance and
adequate health insurance. The importance of
adequate insurance can not be underestimated.
Finalize Work Plans
- Start to consider whether or not you want to
work part-time or what your retirement goals are.
You may want to increase your savings rate to as
much as 30 to 40% of your income should you be
behind your plan.
Review Benefits -
If offered an early retirement package - ensure
that you have planned properly and have
contingencies should your plan be low.
Consider your Health
- Depending on your own individual health, you
may live 20 or 30 years after you retire. You may
want to continue to invest in growth-based
investments even as you begin withdrawals from
retirement accounts.
Review Risk Tolerance
Levels - You may want to pursue a more
conservative strategy. Your investments should be
income or dividend orientated. This strategy
provides income without the volatility normally
found in equity investments.
Although each individual should plan for
their own specific goals and their own circumstances, we have developed the following investment asset allocations
for your consideration based on sample risk profiles:
Lower Risk
Medium Risk
Higher Risk
Remember, it is important to understand your
overall financial profile and your risk tolerance levels
before you begin an actual investment program. An independent Fee-Only
financial adviser can help you determine the appropriate amount of
investments by creating a comprehensive financial plan.
About Us
The
Independent Adviser Corporation is a 100% Independent and 100% Objective
Financial Advisory Firm that writes buy-side investment research. Our
network of independent Fee-Only Financial Advisers serves individuals,
families and businesses. They provide financial planning services, tax
advice and offer professionally managed asset accounts. They do not
underwrite corporate securities nor do they sell any proprietary products.
To find out more or get a FREE consultation Ask
The-Adviser.com or
call 1-800-ADVISER.
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