Bob's Guiding Principle

In the Boy Scouts, I was taught to "Be Prepared."  Thirty-five years later, I've taken that simple motto one step further: "Anticipate...never assume."

As the father of three small children who love the beach, one of the first life skills I ever taught them was "Never turn your back on the ocean."  That lesson applies to many aspects and seasons of life, but it's especially true of your financial security and planning for retirement.

In 2011, the first baby-boomers began turning 65, and as with all generations they fall into two camps -- those who assume someone else will meet their retirement needs versus those anticipating their own needs and planning accordingly.   One camp will live high, dry and worry-free.  The other is facing rough seas in the years ahead.

A 2010 study by the Employee Benefit Research Institute highlighted the disparity between these two camps.  It found that 43% of American workers have less than $10,000 saved for retirement.  Yet those who had done basic retirement planning tended to be considerably more confident about reaching their goals than those who haven't.

Planning for your future is not a DIY project.  It requires skill and expertise in areas of taxation, budgeting, investment analysis and goal-setting, to name just a few.  Through this planning process, my experienced team and I help our clients navigate a sensible path to the future. 

 

 

Securities, investment advisory, and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC.

 

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.  Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. www.SIPC.org. 10960 Wilshire Blvd., Suite 2100, Los Angeles, CA 90024

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