January 2019-Get good financial advice sooner than later. Half of seniors worry about not having enough money to retire, running out of money before they die, not being able to pay for long term care, having to sell their house, or needing to depend on their children for financial support. In fact 20% of seniors 60+ are still working. Fortunately some just love their jobs, but many work because they don’t have a company pension plan, can’t afford retirement, have too much debt (mortgages, credit cards, car loans), not enough savings, or are still helping their children financially. A financial plan needs time to make a difference. Don’t wait until its too late to do something meaningful.