A Shopping List for Your Future 4 Steps to Financial Security in Retirement
Do you remember the last time you went grocery shopping without a list? It’s an exhausting ordeal. You’ll spend an extra 30 minutes wandering the aisles, trying to remember exactly what you need, only to return home and then realize you forgot important ingredients for dinner. Checklists are a great resource for organizing, planning, and achieving goals. And crossing items off a list provides a sense of satisfaction. Isn’t it time you had a retirement certainty checklist? More than half of all Americans admit they don’t have enough money saved to carry them through retirement, and one in five individuals reports having no retirement savings at all. Here’s a brief checklist to help you achieve financial certainty in retirement. 1. Spend less, save more. Differentiate between “wants” and “needs” and learn how to lower the cost of those “wants.” Can you downsize to reduce or eliminate your monthly mortgage payment? Are you remembering to pay yourself first, via retirement savings accounts, when allocating money to bills? 2. Make your money work for you. The optimal time to start saving for retirement is, as the old motto states, “the earlier, the better.” Even if you haven’t started saving, starting today is better than starting tomorrow. Take advantage of the power of compounding interest and talk to your retirement-focused
financial advisor about the best investment products currently available. 3. Put a retirement plan in place 3–5 years before retirement. If you haven’t started planning for retirement 10 years earlier, you want to start planning right away. Sometimes, retirement isn’t a matter of choice, but necessity. What would happen if declining health prevented you from continuing to work? 4. Diversify your retirement plan. You don’t want a portfolio full of similar investments that can all fall apart if the market turns. You need investments that will balance each other out no matter what the future brings. Done well, diverse investments complement each other and flow together like the colors of a rainbow. Ready to make a retirement security checklist customized to your “desires” and “needs”? Call 904-232-8760 to schedule a complimentary consultation with Adam Wolf, president of Wolf Retirement Navigation. Adam’s breadth of knowledge and sophisticated retirement software tools are important ingredients for a retirement financial plan written specially for you so that you can enjoy your golden years to the fullest.
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This Father’s Day, spice up your wings with this zesty recipe that’s sure to please the whole family.
INGREDIENTS
• 4 pounds chicken wings • 1 stick unsalted butter, softened • 1 1/4 tablespoons Thai red curry paste • 1/4 cup honey
• 1/4 cup soy sauce • 1 lime, halved • Extra-virgin olive oil • Kosher salt and freshly ground black pepper • Chopped cilantro for garnish
DIRECTIONS
1. Heat oven to 425 F. 2. Rinse wings under cold water and pat dry. Season liberally with salt and pepper, and drizzle with olive oil. Roast on a baking sheet for 25 minutes or until skin becomes crisp and brown. 3. Blend butter, red curry paste, honey, and soy sauce in a large mixing bowl. 4. Toss wings in butter mixture. Squeeze lime juice on top, transfer to serving plate, and garnish with cilantro.
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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