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The proverbial “three-legged stool” of retirement funding traditionally comprised Social Security, a company pension and personal savings, but that stool has been wobbly for quite some time. In fact, the traditional pension has been replaced largely by employer-sponsored 401(k) plans. This development firmly places the responsibility of two of the three stool legs on individual savings. In addition, this old-school stool has not kept up with one of the greatest achievements of the last 50 years: longer life expectancy. The Social Security program hasn’t kept up; current estimates project funding will be able to pay full benefits only until 2035.1…Take me to the full article
Remove some market risk and create your own pay checks in retirement by creating your own pension.Take me to the full article