Professional assistance available locally Planning for a long and stable retirement is a priority, whether you just entered the workforce or are in the twilight of your career. Everyone wants to retire eventually, but inadequate planning can force you to work longer and leave you less money to live on when your working days are done. As a financial adviser serving the East Bay in my home community of Castro Valley, I have a passion for helping people reach their financial goals. Through Modern Woodmen of America, I offer services that benefit people in all stages of life. One of the most rewarding parts of my job is helping people reach their goals and live comfortably in retirement. To retire early and maximize your savings, planning is a must. Below, I'll explain the advantages of planning for retirement. Minimize tax impact Many retirees have made investments, such as stocks or real estate, as part of a diversified retirement savings plan. Unfortunately, cashing out investments often comes with a significant tax burden. Discuss options with your financial representative and tax professional about how to lower your taxes when you withdraw money. Visualize your 'finish line' If you have retirement goals in mind – especially as you approach the end of your career – strive to meet your goals. When you understand the benchmarks to retirement, you’ll be motivated to reach them and know what you have left to accomplish before informing your employer of your retirement date. Make wiser financial choices How you save for retirement is just as important as how much you contribute. Having a plan in place not only helps you limit spending on nonessential items, but also helps you put money into the right places to maximize your returns. Care for your loved ones It’s important to ensure you have enough money to personally thrive in retirement, but it may also be important to you to leave money to family members. Making sure you have an adequate balance to care for yourself and grant financial independence for loved ones is a great goal. With careful planning, everyone can be comfortable. Contact me to take control of your future retirement and begin planning with a purpose. It starts by assessing your financial situation together. To learn more about the services I offer, browse my website or call me today. * Securities and advisory services offered through MWA Financial Services, Inc., a wholly owned subsidiary of Modern Woodmen of America. Member: FINRA, SIPC.