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Jim, already retired twelve years, had owned his own welding business. Terry, his wife, ran the household. When we met with them, they pulled out their investment dividend records, as Terry recorded each check they received.  

As your retirement approaches, you’re bound to have concerns about the changes ahead. Why not put your mind at ease by taking steps to take charge of your new financial reality? In addition to working with a financial advisor to manage your financial affairs, be proactive with the tasks that are within your control to help make a smooth transition to retirement. 

Who will pay for your retirement? Statistics show that you must plan on providing for seventy-five percent of your retirement income from your savings or investments. Be a smart investor; don’t plan on receiving any government help! Plan to cover one hundred percent of your retirement expenses.

The U.S. Federal Reserve and central banks around the world responded to the 2008 financial crisis by keeping key interest rates at or near zero. But as the economic recovery gains steam, there are signs that rates are on the verge of rising. Given this environment, investors may want to position their portfolios by using a defensive, yet tactical, approach that could help limit the downside while seeking to provide a decent stream of income and return potential.

Many people believe that the only options in their Individual Retirement Account (IRA) are account type and which publicly traded stocks to choose from. We all want to see our investments grow. With the turbulent market over the past decade, unfortunately, many people watched their retirement funds take the biggest hit of all.

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