Retirement planning assistance available locally Retirement is a nearly universal goal, but many workers don’t take the steps to turn this goal into reality. They try to save here and there but may not create real strategies for retiring at a target age until it’s too late. Fortunately, help is available no matter your stage in life. I’m a financial adviser for Modern Woodmen of America, and it’s my passion to help people in the Castro Valley community reach their financial goals. I’ve helped many people realize retirement is possible with proven planning methods. Below, I’ll provide tips and best practices to plan for retirement. If you’re seeking in-depth assistance, contact me. I’d be happy to help you create a plan based on your unique situation. Set retirement goals Whether you plan to retire soon or down the road, you should have a clear vision of what you want your retirement to look like. Then you can start taking steps to realize the future you envision. Start by considering the lifestyle you want in retirement, your ideal retirement age, and the assets you want to leave to your heirs. Assess your current financial situation Every journey needs a starting line, and planning for retirement is no different. Understanding the money and investments you have now will allow you to think about how you’ll maximize those assets for your and your family’s benefit in the future. Maximize your employer’s 401(k) match If your employer matches money you save in a 401(k) plan dollar-for-dollar, you have an advantage saving for retirement. By saving the maximum amount your employer will match, you’re potentially increasing your contribution and gaining tax advantages. If your employer doesn’t have a 401(k) program or you’re already contributing, consider a Traditional IRA, Roth IRA or other savings plan. Start as early as possible It’s never too early to start planning for retirement. If you’re in your 30s or younger, compound interest (earning interest on your interest) is your friend. But even if you didn’t start saving in your 20s or 30s, it’s not too late. Starting as soon as possible is key to retiring at an ideal age. Meet with a financial adviser Everyone’s situation is unique, and an adviser can assess your situation and provide steps to help you reach your retirement goals. With a little planning, retirement is within reach! If you need assistance, I’d love to help. To learn more about the services I offer, visit 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.