Are you caught in the tax-deferred paradigm? Do you think income tax rates will be higher or lower in the future? If you think you are being squeezed today . . . Do you know the difference between a defined benefit plan and a defined contribution plan? Between a simple IRA, a SEP, or a ROTH IRA? Which plans provide guaranteed lifetime income and which do not? Which plans are exposed to the vagaries of equity markets and which are not? The fact is most people contribute to or participate in plans without professional advice or knowledge and don’t have a clue about their real exposure, risks and costs. Before you get too invested in a plan that may not provide you with the financial security you desire why not learn whether your plan is what you need and want? Additionally, as one approaches retirement age, professional advice is essential before applying for social security or Medicare, too, because gaps in Medicare coverage can expose one’s household economy to devastating economic impacts, but, with a little planning, it can all work out for the better. Call me today at (978)290-2462
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Robin Hubbard is a financial advocate, consultant, advisor, planner and coach for individuals, businesses, and investors. An agile, refreshing alternative to franchise firms, I don’t push product but find solutions for individual needs and ambitions.