You've reached a goal most working Americans dream about for years - Retirement. While you enjoy your well-deserved time, you may also be concerned about meeting your current and future financial needs. You may need to supplement your retirement income and ensure the income stream of a surviving spouse should you die first. You may also be concerned about future health costs and the ability to fund assisted living if you need those services in the future. At Harborstone we understand the many challenges retired members face and we're here to help. Even if you are receiving Social Security and a pension you may find that your income is not keeping up with your cost of living and you need to generate other sources of income. Now, more than ever, your money needs to work for you. In addition to meeting your own needs, no doubt you are concerned about the future financial security of your family. You may want to ensure that a spouse will continue to have sufficient income should you die first or that a grandchild is able to afford college. You know how hard you worked to reach retirement and enjoy the years ahead. But unfortunately the assets accumulated over your lifetime could be wiped out if you are not adequately insured. Most of us will require some kind of long-term care in our retirement years. Have you thought about how you can ensure you will have choices in your later years for care and not become a burden to your family? Whether you are cared for at home or in an assisted living facility, the costs of long-term care can be enormous. Now that you are retired you may want to consider reviewing your investment portfolio with a Harborstone Financial Advisor and adding tax advantaged products such as annuities that could produce an additional income stream or benefit your heirs by avoiding probate. Reviewing your home and health coverage with a Harborstone Financial Advisor can ensure your peace of mind. We can also tell you about Long Term Care Insurance, a product that may help you if you should require assisted living in the future. Following are a few financial tools to help you identify financial adjustments you can make in retirement years: We want you to enjoy your retirement and have peace of mind about the future. Unlike some other financial organizations, we aren't focused on selling you particular products, but helping you meet your important financial goals and challenges in your retirement years. Whether you need assistance with generating more monthly income from your investments, reviewing your insurance needs or wise planning for your family's future financial needs, your Harborstone Financial Advisor is here to help you. To schedule a complimentary appointment with a Harborstone Financial Advisor, call (253) 589-8396 today.What To Consider
Keeping up with your expenses and meeting future needs
Protecting your assets and ensuring choices for future care
How Harborstone can help