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Beth A. Botti, CFP®, ChFC, CLU, CDFA™
Financial Consultant
California Insurance License #0G24537
612 Wheelers Farms Road, Milford, CT 06460
Phone: 203-877-6556 Ext. 169
Fax: 203-301-0736
Email: beth.botti@equitable.com
January/February 2018
Fine-tuning Your Retirement Preparations
Is retirement within sight? As you get closer to retirement, your thoughts may turn to the day when you’ll finally be able to slow down and relax. But during the time that remains, take the opportunity to do all you can to ease your transition.Talk over expectations
If you’re married, discuss how you each view retirement and share what you hope to get out of your retirement years. You can coordinate your plans by going over details such as when you’d prefer to retire, what activities you’d like to do and where you want to live. And since your viewpoints may evolve, you’ll want to keep the conversation going on topics that will affect each other.Make a retirement budget
With your outlook in focus, you may now be able to better prepare a budget for retirement. A good place to start is with your current budget. You can adjust it for work-related expenses you won’t have in retirement, such as commuting costs and retirement plan contributions, as well as potential new costs, such as higher health care expenses. Then estimate your future retirement income from all sources, including your retirement investments. By comparing your expected expenses with your future retirement income, you’ll have a better understanding of your cash flow needs.Review your investments
Your retirement years may be a time when you gradually take money from your retirement account instead of adding to it. In preparation, you may want to reassess the investments in your portfolio to help ensure they’re suitable for your situation and make adjustments as needed. Assistance is available
As your retirement draws nearer, you can review your goals with your financial professional and discuss how you would prefer to manage your finances. By looking ahead, you can identify any additional steps you may need to take to get ready for your retirement years.
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. Your connection to this website does not necessarily indicate that the sender is able to transact business in your state. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm's Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.
GE-6572038.1 (4/24)(Exp. 4/26)
CFP®, and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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