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How to Plan for Your Financial Future?

Planning for your financial future doesn’t have to be intimidating. Here are some simple steps to build lifelong income.
You will need: a plan, objective advice, a diversified portfolio, income you can't outlive and low-fee investments.

Step 1:
Have a plan. It’s never too early — or too late — to create a road map for your financial future. __________

Seek advice from a retirement-planning specialist who is objective. You want to be sure that any recommendations are based on your best interests, not theirs.

Step 2:
Spread your money among different types of investments, like stocks, bonds, real estate, and money market accounts. __________

Step 3:
One goal of saving for retirement is to replace the income you earned when you were working. Consider buying a low-cost annuity: a lifetime annuity can provide guaranteed monthly income for the rest of your life — no matter how long you live.

If your employer offers a low-cost annuity in your retirement plan, consider investing in it now.

Step 4:
Get the most value out of your plan. Look for low-fee investments; even small charges add up and can dent your money’s ability to grow. __________

Step 5:
Maximize your savings by taking advantage of any workplace perks, like a 401(k) that offers matching contributions from your employer, or programs that give you tax breaks for putting away money for things like education and retirement health care.

If your employer offers matching contributions, try to save at least enough to be eligible for the match. It’s a risk-free way to double your contributions.

Step 6:
Don’t worry if you can’t put all of these strategies to use right now; the most important thing is to save. __________

Did you know? A 30-year old saving approximately $250 a month can build a $350,000 nest egg by age 65. It takes a 50-year old saving more than $1,200 per month to achieve the same goal.

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