• Starting your retirement plan

• Growing your retirement plan

• Nearing retirement

• Enjoying retirement

A Retirement Plan for Every Stage of Life

We all plan to retire. But do you have a retirement plan?

If you are just beginning your career, it might seem like planning for retirement can wait for another day. Or maybe you feel like it’s too late to do anything because your retirement is just a few years away. Whether you fall into one of these categories – or somewhere in between – there is a retirement plan for you.

Preparing for a financially secure future takes time and an appropriate strategy for each stage of your life. That’s why it is important to take time to decide where you are along the path to retirement and start your plan now.

If you are:

• In your 20s or 30s, you are most likely just starting your plan
  
• Still five to 30 years away and you have an established retirement program, growing your plan should now be your main focus
  
• Nearing retirement (within three to five years of retiring) there are steps you should take to ensure your plan is still on track
  
• Enjoying retirement  just make sure you don’t stop planning simply because you’re retired

Longer life expectancies, smaller employer contributions, increasing health care costs, long term care issues, and the future of Social Security all make retirement planning a high priority for everyone.