yarilet perez is an experienced multimedia journalist and fact-checker with a master of science in journalism. either way, a professional retirement advisor can often help you set the right course and identify unexpected areas for improvement. if you’re more of a middle-class family and would rather stay with a big establishment, you could talk to your bank. if they’re paid by fees from you, ask them how much their fees are and whether the investment products in which they may put you will have fees.
the first thing you should expect when you sit down with a retirement advisor is a detailed look at your complete financial picture, based on the information you provide. how much will you collect from social security each month, and when is the best time to start collecting benefits? how can you minimize the taxes you will pay on your other income and assets? planners who are paid through fees may charge by the hour, by the year, or based on a percentage of your financial assets. you may find it helpful to get some professional advice as early as possible to put your retirement planning on the right track.
have you ever had the nagging feeling that there’s a lot more to retirement planning than what your financial professional is providing? and now there’s this worrisome question pinging around in your brain: why hasn’t my adviser been talking to me about any of this stuff? concerns might include maximizing social security, choosing the right medicare plan, what to do if you get sick or what your family will go through when you die. if your financial professional hasn’t touched on these and other relevant topics, the answer is simple: you probably aren’t working with someone who’s a retirement specialist.
how can you tell if the person who’s handling your finances is a retirement specialist? if you’re working with a true specialist, you won’t have to bring up these issues; the adviser will discuss them early and often in the overall planning process. your retirement is likely to be 20 to 30 years or more of unemployment. michael reese, cfp, clu, chfc, cts is the founder and principal of centennial advisors llc, with offices in austin, texas, and traverse city, mich. michael’s vision is to help american retirees “re-think” how they manage their financial portfolios during their retirement years. kiplinger is part of future plc, an international media group and leading digital publisher.
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