Twelve Points Wealth Management’s Post

Retirement isn’t just about saving money—it’s about having the determination and a clear plan to make your dreams a reality. As you get closer to this new chapter, the steps you take now will shape the life you enjoy tomorrow. Download Bill Keen's book, "Keen On Retirement - Engineering the Second Half of Your Life” or contact us through the comments below to get started on building your retirement. 

What do you view as more of an obstacle during retirement—inflation or longevity? If you said, “Probably both,” you’re on the right track. But if you said “inflation,” you might be wrong. Here’s why: Most of us are anticipating inflation in retirement, so we plan for it. What we may not consider, however, is living 30+ years as retirees. So we fail to factor in our lifespan when creating our retirement strategy (which of course ends up causing more strain). So what’s your next step? Here’s how to be proactive and start planning for long-term success. 

Retirement might seem far off, but with rising living costs and longer lifespans, now is the time to take action! We know how overwhelming it can be to think about the future, but we’re here to help you. Just saving 15% of your income can really make a difference in setting you up for a stress-free retirement. Let’s work together to create a plan that aligns with your dreams, whether that means travelling the world or simply spending more quality time with your family.

What comes to mind when you 𝘁𝗵𝗶𝗻𝗸 𝗮𝗯𝗼𝘂𝘁 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁? 🔵 Spending time with loved ones? 🔵 Traveling the world 🔵 Or just enjoying life without stress? Retirement Wealth Advisor is 𝗳𝗼𝗰𝘂𝘀𝗲𝗱 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲. Maintaining your lifestyle in retirement is our ultimate goal. We help you develop a plan that aligns with your 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴, 𝘃𝗮𝗹𝘂𝗲𝘀, 𝗮𝗻𝗱 𝗱𝗿𝗲𝗮𝗺𝘀. Ready to take the next step toward a retirement plan centered around you? See my 𝗹𝗶𝗻𝗸 𝗶𝗻 𝗯𝗶𝗼 to watch more episodes of 𝙍𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩 𝙏𝙖𝙡𝙠 𝙬𝙞𝙩𝙝 𝙀𝙧𝙞𝙘 𝙆𝙚𝙖𝙧𝙣𝙚𝙮 and find out how we can help you create a retirement strategy that focuses on what truly matters. 📺 #financialeducation #florida #retirementplanning

What excites you most about retirement? What bucket-list adventures are you looking forward to? Whatever’s on the horizon, don’t forget about a few “milestone” ages and what they mean for you in retirement. Remember, these ages are NOT set in stone. They’ll probably change in the future, especially as lifespans continue to increase. Regardless of how those milestones shift, here’s what won’t change with retirement—the need for a solid plan.

I get this question a lot. How much should I invest for retirement? Some questions I want to know from clients are why are you retiring? What is your purpose? How generous do you want to be? A lot of people buy into the idea that retirement is all about me. I earned it, and I deserve it, right? Do you know that a lot of people lose hope and identity and purpose in retirement. Retirement is a time that we can radically serve and bless others. It is not necessarily a time of comfort, but a time to serve God & others in new ways. What is your purpose? Let us start there, then we can decide how much we can save for retirement.

What is the Big Deal about retirement? you might be asking. And, rightfully so! Retirement is a fascinating new chapter for the retiree or retiree-to-be. Does this describe you? If so, what are your predominant feelings where retirement is concerned?  * Does it keep you up at night -- worried & uncertain about all the changes?  * Do you KNOW you need to plan for the non-financial aspects of retirement, but have no clue where to start?  * Or, are you looking forward to retiring with a sense of calm confidence? And, possibly, even-more important: What do you WANT to feel where retirement is concerned? I've made this video for you to guide you to begin some of this thinking and envisioning. I invite you to watch it and see what ideas it stimulates for you! 

Retirement is a phase of life meant to be enjoyed, yet it requires careful financial planning to ensure security and peace of mind. Saving for retirement is not just about setting money aside—it’s about preparing for the uncertainties of the future and safeguarding your quality of life. One major challenge in retirement planning is the unpredictability of how long you will live. Living longer than expected can stretch your savings, leading to financial strain in your later years. On the other hand, living a shorter life may leave your loved ones with unfinished financial plans or unfulfilled goals. Balancing these possibilities is key to creating a stable financial strategy. By starting to save early and consistently, you build a cushion that grows over time, giving you the freedom to handle unexpected expenses, pursue hobbies, or help your loved ones. Diversifying your investments and planning for contingencies can address both the risk of outliving your savings and the desire to leave a meaningful legacy. Ultimately, saving for retirement is an act of foresight and financial planning. It ensures that no matter what the future holds, you are prepared to live with dignity, independence, and peace of mind. Start planning today for the life you deserve tomorrow.

What do you view as more of an obstacle during retirement—inflation or longevity?  If you said, “Probably both,” you’re on the right track.  But if you said “inflation,” you might be wrong. Here’s why: Most of us are anticipating inflation in retirement, so we plan for it. What we may not consider, however, is living 30+ years as retirees. So we fail to factor in our lifespan when creating our retirement strategy (which of course ends up causing more strain). So what’s your next step?  Here’s how to be proactive and start planning for long-term success. 

Unlock the key to a successful retirement with the 𝗜𝗻𝘀𝘁𝗶𝘁𝘂𝘁𝗲 𝗼𝗳 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗪𝗲𝗹𝗹𝗻𝗲𝘀𝘀 (𝗜𝗙𝗪) 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗦𝗰𝗼𝗿𝗲! 🗝 Ever wished you could have a credit score for your golden years? 𝗡𝗼𝘄 𝘆𝗼𝘂 𝗰𝗮𝗻! The IFW Retirement Score is your comprehensive evaluation tool for retirement readiness. A higher score means 𝗺𝗼𝗿𝗲 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 𝗮𝗻𝗱 𝗳𝗲𝘄𝗲𝗿 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝗶𝗲𝘀, giving you the confidence to pursue your dreams with peace of mind! 💪 Discover where you stand and 𝘁𝗮𝗸𝗲 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗷𝗼𝘂𝗿𝗻𝗲𝘆 𝘁𝗼𝗱𝗮𝘆! See our 𝗹𝗶𝗻𝗸 𝗶𝗻 𝗯𝗶𝗼 to use the complimentary tool and to contact our team for ways to improve the outlook of your financial future! 🧮 #retirementplanning #financialadvisor #wealthmanagement