How to Plan for Your Retirement

How to Plan for Your

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Retirement planning is a term that refers to the allocation of financial resources

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towards retirement and is performed to help ensure the “golden years” are comfortable. Having a sufficient retirement fund requires some budgeting work and planning, taking into consideration all the sources of retirement income.
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Preparing to retire should start early in life allowing your investments more time to earn.

Retirement Planning Steps

  • The first step in the process of retirement planning is to determine your readiness to retire. Consider your lifestyle and at what age you’d like to retire. Next, determine what actions and decisions are required for you to reach your retirement goals.
  • To plan properly for your future you will
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    need to calculate your retirement income needs. Take into consideration your current age and the amount you have already saved. You can then determine the amount you will need to save monthly or annually to reach your retirement savings goals.

  • Plan on the possibility of being on a fixed income for as long as 20 to 30 years. The ultimate goal of any retirement saving strategy is to have sufficient funds for a comfortable lifestyle in the golden years, with allowances made for medical care. An individual needs the advice of someone who has a good understanding of both taxes and retirement plans. The services of an accountant can make retirement savings decisions more productive, allowing a person to have sufficient net income to enjoy what could be many wonderful years of retirement.
  • Contribute funds regularly to your employer’s 401(k) plan or your SEP-IRA. If you are eligible, a Roth IRA or a traditional IRA are also a consideration.
  • Work on paying off all your major debts, like college loans, auto loans, mortgage loans and all other debt that have a significant impact on your cash-flow.
  • Start to build an investment plan. Consider the degree of risk in short term declines and your ability to withstand these risks.
  • Determine the different percentage you will invest in various investments such as stocks and bonds.
  • Diversify among individual investments or mutual funds available within asset classes.
  • Annually, review your retirement plan to update and adjust the plan accordingly.

Contact Boca Raton Accountant Barry Bandler for additional retirement advice.

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