Dear Investor,


People that can get a 30,000 foot view of the retirement landscape notice the demise of the defined-benefit (DB) plan (or what most call pensions). They may also notice most companies offer no sense of security and avoid hiring full-time employees. These two major trends are reshaping the retirement landscape because the individual is solely responsible for funding their retirement. To add more pressure lets mention Social Security; as of this writing, the oldest of the Baby Boomers have already turned 62. The high number of retirees and small amount of Social Security contributions by current workers is at a minimum going to significantly reduce future benefits or at worse eliminate them for future retirees. Financial Planning still thought of as “only for the wealthy” but in reality is for everyone and becoming even more important for the middle-class. Millions of people don’t know what to do with their current retirement plans or if they don’t have one don’t know where to start or who to trust for advice. I recommend you seek the advice of fiduciary. A fiduciary investment advisor is legally obligated to place you interests first. Make the time to sit down or speak with one to arrange your current and future financial needs. Peace of mind goes a long way. To get started visit



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