| Are you closer to retirement than you would like to | | | | help you put your goals on paper and create a |
| be without a retirement account in place? Have you | | | | realistic plan to help you carry it out through your |
| been freaking out while reading this book, trying to | | | | retirement years. Financial planners can help you to |
| figure out how in the world to get started saving for | | | | turn your plans into actions-actions that help you |
| retirement at this late date? No worries--getting a | | | | achieve your retirement goals. |
| late start on retirement savings is better than never | | | | Take time into considerationwith your retirement |
| getting started at all. Even though time is not on your | | | | savings plan in place, you should invest for the |
| side, there are a few things you can start doing now | | | | highest possible return for the time you have left |
| to maximize your savings for retirement. | | | | until retirement. Obviously, the more time you have |
| Start now | | | | until retirement, the more risk you can take with |
| You have delayed enough, so whatever you do, do | | | | your investments. The less time you have until |
| not procrastinate any longer. Even if you only a have | | | | retirement, the less risk you can take with your |
| a few years left until retirement, take for granted | | | | investments. Many high return investments seem like |
| the time you have and use it to your advantage. So | | | | a good idea but these investments are usually volatile. |
| whether you have 2 years or 20 years left, it is | | | | If you take too much risk, you put your principal in |
| important to start planning and saving for retirement | | | | danger. |
| as soon as you can. Don't worry about how much | | | | So while a late start is better than no start at all, it is |
| you can save either. Whether you can afford to | | | | important to take the steps necessary to preserve |
| save $25 per month or $250 per month, saving it | | | | your principal. Take the time to consider your |
| now is better in the long-run than waiting until later to | | | | investment opportunities before launching into any |
| do something about your retirement. | | | | type of retirement savings plan and try to get some |
| Be conservative | | | | professional help to increase your odds of achieving |
| If you are a late starter, it doesn't mean you should | | | | your goal. Do not wait any longer than now to start |
| go into saving and investing like gangbusters. Being | | | | some kind of a retirement plan and fund. Leverage |
| aggressive and taking a lot of risk can do your | | | | what you have today to create your future. |
| retirement savings and investments more harm than | | | | Disclaimer: This email and its contents is neither a |
| good. Be wise and approach investing your money | | | | solicitation nor an offer to buy/sell any insurance and |
| conservatively. It is important to grow and increase | | | | or financial product(s). Information about insurance |
| the value of your retirement account, but it is just as | | | | and/or financial product(s) and/or investment |
| important to protect the principal you invest in the | | | | products provided herein may not be suitable for all |
| first place. | | | | individuals and/or investors. Moreover, the information |
| Get help | | | | contained herein has been obtained from sources |
| Try not to play the hero either. Do-it-yourself | | | | believed to be reliable; its accuracy and completeness |
| retirement savings hasn't been your forte up until | | | | cannot be guaranteed. Individuals and/or investors |
| now if you waited to the last minute to start, so you | | | | are advised to contact their appropriate professional |
| should consider getting some professional help and | | | | for all personal planning, including but not limited to |
| advice. Everybody needs a little help sometime and | | | | healthcare planning, retirement and estate planning, |
| your time may be now. Consider working with a | | | | tax planning and/or corporate planning. |
| Certified Financial Planner or Financial Advisor, who will | | | | |