Retire VA 22 - 22

" You can't
predict future
events; but you
can take steps
to make sure
your accounts
will survive
the events
the future will
throw at you. "
PATRICK AYERS
22 / Retire-VA.com / RETIRE-VA 2023
Medicare, pensions and workplace
retirement plans like a 401(k).
He says retirement looks different
for someone with a strong pension in
place than someone who has a large
401(k) balance. Crafting their retirement
paycheck looks a lot different and it's
coming from different places.
Hall says retirement is not a day, date
or age but a phase of life. With people
living longer, retirement can be a 30, 40
or even 50-year phase of life.
" So often people try to do the
individual parts and pieces of retirement
and look at them in a vacuum, " he says.
" Social Security is a great example. I talk
to a lot of people who say they wish they
had not filed Social Security so early,
and the reason for that is the sooner you
file Social Security, yes, the sooner your
benefits start, but then you're locked in
at a lower benefit for the rest of your life. "
So he tells his clients to not hurry but
first figure out what their needs are and
find the most efficient way to get there.
He advises to come up with a plan
with either a spouse or with an advisor
- which doesn't always have to be a
financial planner - it can be a trusted
accountant or attorney.
" The people who have a plan, it not
only increases their discipline to stick to
the right behaviors, but it also increases
their confidence that they'll be okay. And
you having that peace of mind is worth
something, " he says.
Selective Wealth Management CEO
Matt Schubert wants his clients to have
a good handle on debt and encourages
them to be in a place where they're debtfree
as they enter retirement.
" Occasionally there's a place for a
mortgage within that but that's a really
important piece that enables people
to just have a tremendous amount of
freedom in retirement, " he says.
Much of what helps people get ready
for retirement is just spending less than
they earn and being really disciplined at
that, he says.
" That enables people to get ready
for retirement because they have more
dollars to be able to save but it has the
other effects as well, which is really
enables households to know how much
savings they will need and to be able to
have confidence that they can live within
that. " I

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