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Retirement planning doesn’t have to be complicated. A few key principles can help you build a secure and comfortable future:
1. Start Early, But It’s Never Too Late – The earlier you save, the more time your money has to grow. But if you're getting a late start, focus on maximizing contributions and cutting unnecessary expenses.
2. Live Below Your Means – The less you spend today, the more you can save for tomorrow. Avoid lifestyle inflation and unnecessary debt.
3. Diversify Your Investments – Don’t put all your eggs in one basket. A mix of stocks, bonds, and safer assets can balance growth and stability.
4. Plan for Inflation – Prices will rise over time, so make sure your retirement income keeps pace with the cost of living.
5. Have a Withdrawal Strategy – A common rule of thumb is the 4% rule, but your needs may vary. Work with a planner to create a sustainable withdrawal plan.
6. Prepare for Healthcare Costs – Medical expenses can be significant in retirement. Consider long-term care insurance and health savings accounts (HSAs).
7. Eliminate Debt Before Retirement – Paying off high-interest debt before you retire gives you more financial freedom.
8. Don’t Ignore Taxes – Your withdrawals from different retirement accounts (401(k), Roth IRA, etc.) have different tax implications. Plan accordingly.
9. Have an Estate Plan – Ensure your assets go where you want them to, with wills, trusts, and proper beneficiary designations.
10. Keep It Simple
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- BSBud StahlmanDec 14, 20175.0I have recommended Assurity Financial Group to others. They always keep my best interests in mind and understand my concerns regarding my investments and plans for future distributions. They are thorough in understanding me and my financial goals.
- SCShirley CochranNov 29, 20175.0David listens, is always prepared, and comes up with solutions that always meet my needs. With the help of Assurity Financial, my investments are consolidated into conservative holdings and provide for my long term care needs. I am extremely pleased and appreciate their willingness to meet with me outside of typical business hours.
- HKHelen KasselOct 25, 20175.0David (Assurity Financial Group) has made me feel at ease about my future. I don’t have to worry about having enough money to retire now that David has invested my money to work for me. And, he (David) is very good at explaining everything.
- GRGeri & Jim RowlandMar 17, 20175.0I personally have been going to BeeSure/Assurity for the last seven or eight years for my investments and tax returns. Recently my husband met Monica and David and like them so much that he decided to put his annuity account with them. We both believe that they are the most trustworthy, honest, and sincere people that we know and would highly recommend them to anyone who requires their services.
- AGAnthony DJBroG GuevaraJun 8, 20165.0What a pleasure it was to work with David & Monica at Assurity Financial Group! From the moment you step in to their office, they make sure you are treated with the upmost respect and more importantly, listen intently to what your concerns and expectations are. I certainly enjoyed my time with them and making my decision to go with their services was an easy one thereafter. I urge anyone in the market for any type of financial planning to visit Assurity Financial Group. You won't regret it.