Building your financial future is not found underneath a rock or in a crystal ball. It begins with you. You must be proactive in building your retirement days.
How do you begin? This can be a frightening process with the economy at its worst for the last few years. This is the perfect time to locate and work with a financial adviser.
Can you invest on your own? Sure, if you have the time to research; however, I would not suggest it. A financial adviser can help you assess your financial situation and help you focus on your particular needs, whether it's savings for retirement, children’s college fund or other specific goals you may have.
When considering a financial adviser, ask friends and family for a referral, and consider the adviser's experience; what are their qualifications; what services do they offer; what is the reputation of the company they work for; the cost of a plan, and in the end, your gut feeling for this person.
I can hear you say "gut feeling." Yes, you entrusting the financial adviser with your innermost dreams, money and life. You should have a gut feeling about them. This relationship should be a long term relationship, not easily divorce-able.
Financial advisers are penitent to your financial future. Retirement should not be left to chance, crystal balls, or found underneath a rock. It takes planning, and a commitment to saving. Eighty percent of women retire only to live below or at the poverty level. Do not be part of that 80%. A financial adviser can help.
For more information about choosing the right financial adviser email Anita R. Johnson at AReneej@sbcglobal.net or Mary Ann Vosika at Vosika.Mary@principal.com.
