THE TOP 5 WORRIES
For Individuals Approaching and Entering Retirement
PAYING FOR HEALTH CARE For many retirees, health care costs account for a substantial portion of their monthly budgets. There are ways to plan for these expenses to ensure that you can pay for health care without exhausting your retirement funds. OUTLIVING YOUR SAVINGS Living to 100 is a wonderful goal, and it’s one that’s increasingly common. But the longer we live, the more money we need in our retirement accounts. Many people worry that a longer life will require them to sell off assets. The way to avoid this fate is to plan for a long retirement.
Retirement should be a time to relax and enjoy the fact that you’re no longer tied to a full-time job. As with any major life change, however, retirement can engender just as much anxiety as excitement. A lot of that apprehension can be resolved through careful, comprehensive planning. While everyone approaches retirement on their own terms, there are common concerns that many people face as they begin the next chapter of their lives. Here are five that we speak with clients about often. SAVING ENOUGH MONEY It can be difficult to know how much money you need to save for retirement. People now live longer than ever before, and the cost of living is always on the rise. You probably can’t rely on Social Security to maintain the standard of living that you enjoy now. Beginning your planning early will ensure that you have sufficient funds when the time to retire comes. RETIRING WITH DEBT Couples and individuals often retire with a mortgage, car payment, or other debt. Having to make payments after you retire isn’t the end of the world. What matters most is understanding how much you’ll be able to contribute once you’re retired. In the vast majority of cases, it will be less than you can during your career.
LACK OF SOCIAL SECURITY BENEFITS The fear that Social Security will shrink or disappear is common among young people. Predicting what will happen decades down the road is a fool’s errand. Planning for retirement without the aid of Social Security will leave you secure with the knowledge that no matter what happens in terms of policy, it won’t affect you adversely.
Chris’ Paleo Corner:
BALSAMIC CHICKEN WITH BACON AND APPLES
Thank You! For us to be able to help family and friends just like you, we depend on referrals.
[inspired by wholesomelicious.com
With this one-pan wonder, you can complete an entire meal in under an hour. It tastes delicious and makes your kitchen smell heavenly.
INGREDIENTS
DIRECTIONS
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1. Blend balsamic vinegar, olive oil, lemon, rosemary, and garlic to create marinade. Pour into bowl or sealable bag and add chicken. Marinate for at least 5 minutes or up to 12 hours. The longer you marinate, the more flavorful the chicken will be. 2. Heat oven to 375 F. Spread Brussels sprouts, bacon, and apples on a baking sheet. Add chicken and pour any extra marinade over the top. Season with salt and pepper. 3. Bake 20–25 minutes until chicken is cooked through. For extra crunchiness, turn the heat up to 425 F for the last 5 minutes. 4. Transfer to platter and serve immediately.
• 1 1/2 pounds chicken breast, cut into pieces • 1/4 cup balsamic vinegar • 1/2 cup olive oil • Juice of 1/2 lemon • 2 cloves garlic, crushed • 1/4 cup rosemary, finely chopped • 10 ounces Brussels sprouts, halved, stems removed • 2 apples, cored, peeled, and coarsely chopped • 6 slices bacon, cut into squares • Kosher salt and fresh ground pepper, to taste
Catherine Magnan Michael Morrow Kathy Fackler Gerald Stribbell Randolph Bayless Mary Ann Slazinski Harold Selesky
888-390-4360 • 3
Plan. Protect. Preserve.
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