Partners and Directors of Wealth Management and Financial Planning Services Judy Barnhard, CPA, CFP®, CDFA®, and Alex Seleznev, MBA, CFP®, CFA, presented an in-depth presentation to help professionals navigate the decisions about and preparations for retirement….(read more)

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retirement planning is an important step in ensuring financial security in the future. It is essential to plan for both pre- and post-retirement so that you can enjoy a comfortable retirement. This article will discuss 11.17.22 pre- and post-retirement planning: top ideas and considerations to help you make the most of your retirement.

Before retirement, it is important to start planning for your retirement goals. Consider your current and future financial needs, as well as your lifestyle goals. Create a budget and stick to it. Start saving for retirement as soon as possible and consider investing in stocks and bonds. Consider your health insurance needs and plan for the potential costs of long-term care.

Once you have retired, you will need to adjust your budget and spending habits to fit your new lifestyle. Consider downsizing your home or relocating to a retirement community. Make sure to review your Social Security and pension benefits to ensure that you are receiving the maximum benefit. Consider investing in annuities or other income-producing investments.

It is important to plan for the potential of unexpected events. Consider long-term care insurance to protect against the costs of an extended stay in a nursing home. Make sure to review your estate plan to ensure that your assets are distributed according to your wishes.

Finally, consider how you will spend your time in retirement. Consider taking up a new hobby or volunteering in your community. Consider how you can stay active and engaged with your family and friends.

By planning for both pre- and post-retirement, you can ensure that you are financially secure and can enjoy a comfortable retirement. Consider the top ideas and considerations discussed in this article to make the most of your retirement.