What will your life be like 30 years from now? Are you living in the same house?
Do you have the job you always wanted? Are you retired from your job and spending leisurely time with your family?
You can’t really know what your life will look like so far in advance. Life brings so many unknowns.
But you can plan for those unknowns as early as today. Often people ask us what time is the “right time” to begin
planning for their retirement. Our answer? It’s never too early to start.
Hopefully, you already know that saving money for retirement should start as soon as possible—maybe you’ve even got a
good-sized sum saved up. But you’re not sure what to do with it. You don’t have a plan. So at what point do you sit down
and put pen to paper and make an actual retirement plan? The answer is the same as before. It’s never too early.
Just like your life, your goals may change over the years. You may discover you want different things, or financial
hardships may come your way. Regardless of how these smaller items may shift over time, making an retirement plan early
in your life will help you see where you need to make adjustments periodically as you set and reach your financial goals.
Additionally, people often forget that retirement plans consist of so much more than just money allocation. When you
create your retirement plan, you have to take into consideration factors such as Social Security, estate planning,
long-term care, taxes, wills/trusts, inflation, income, and more. A meticulous comprehensive plan should consolidate all
of these factors and make visible any holes in your future that you will need to prepare for.
You can create one of these comprehensive plans at any age, and you should have at least parts of the plan in place pretty
early in your life. For example, anyone who has kids at home should have an estate plan to determine who will care for
your children and who will make medical decisions for you, should you be rendered unable to make them for yourself.
It’s important to realize, though, that most financial planners and financial advisors won’t be able to put together this plan for
you. Traditional financial planners deal mostly in stocks, bonds, and trading—things that matter at the height of your
income-earning stages. However, at Ashton Strobelt, we specialize in retirement saving and planning. We will openly
answer your questions about retirement and direct you to people who can help you if we cannot meet all of your needs.
If you have any questions, please email them to firstname.lastname@example.org and we will answer those questions the
best we can. We also offer a free first consultation for anyone who wants to get started on the path to a smart, secure
retirement. Call Ashton Strobelt today—because it’s never too early to make your retirement plan.