June 2018 – Don’t wait too late to start planning your retirement.  Have you considered more than when you plan to retire and how much you think you’ll need?   Have you actually done a detailed budget for your retirement lifestyle expenses? Where will you live? Do you have adequate health insurance? What are all your sources of income and will you work to supplement this?   Is your emergency fund adequate? Have you incorporated inflation over the 25 or more years you will likely be retired? Do you need life insurance to ensure both you and your partner will have enough money in case all your assets are spent providing expensive long term health care to the first of you who needs it?  A successful retirement doesn’t just happen. Professional advice can help ensure yours will be.  It needs early planning though.