7000 Harps Mill Road,
Now is the time to get serious about your retirement preparations. We’ll start by taking stock of your assets and liabilities, developing your goals and determining if you’re on track to retire your way. Our process involves:
Developing your plan now allows you to make mid-course corrections if you’re not on track. A key goal at this stage should be paying down debt and maximizing your savings in pre-tax, Roth accounts and HSA’s to improve your “balance sheet”. If your situation dictates, you might also consider transitioning to a more conservative investment strategy to protect against major market pullbacks just prior to retirement.
You still have a few years to fine tune your strategy but at this point you should have the basic outline of you plan in place, including: