Are you able to save enough money for retirement? Do you have enough money to last until your 90's or even 100?

Limitations in qualified plans and Social Security create a "retirement gap," causing you to receive as little as 30% of your current income at retirement. With the uncertainty of social security and future pension programs more and more of us have to rely on private savings in order to get through retirement. 

Do you have a written plan in place?

Imagine you were on a road trip with out a map or GPS. How would you be able to reach your destination? How much longer would it take you then if you mapped it out? The answer is that it would be incredibly difficult to get anywhere if we did not know our destination and the roads we need to take to get there. Planning for retirement is similar, the sooner a written plan is in place the sooner you can begin to track your progress and reach your financial goals. People who have a written plan are more likely to meet their goals than those who do not.  

Are you currently maximizing your contributions to your qualified retirement account?  

The current limit for IRA contributions is the lesser of $5,500, or total taxable compensation for the year. There is a catch-up provision if you are over 50 years old the limit is $6,500.,-Employee/Retirement-Topics-IRA-Contribution-Limits

How are my current Investments currently allocated?

Asset allocation is a key component in managing any financial portfolio. Asset allocation is the process of repositioning assets in a portfolio to maximize potential return for a particular level of risk. Asset allocation does not guarantee against loss; it is a method to help manage investment risk.

Is an Annuity right for me?

Annuities can be utilized in many different ways. The main use of annuities is to secure an income stream from a sum of money. Annuities offer tax advantages such as deferral of taxes until your money is paid out to you. 

Are you dollar cost averaging?

Dollar cost averaging is an effective investing strategy that buys a fixed dollar amount of securities at regular intervals. The investor thus buys more shares when the price is low and fewer shares when the prices rises, and the average cost per share is lower than the average price per share. Dollar cost averaging does not ensure a profit or prevent a loss. This is generally used in investment plans with long-term time horizons.