Retirement Planning

Planning for retirement may be harder today than ever before. Some of the challenges: 

• People are living longer today than ever in history
• Medical care, and especially long term care, have become extremely expensive
• Social Security and Medicare are seriously threatened
• Many people do not know how much they will need when they retire
• At many companies, traditional pensions are being limited or eliminated-retirees are increasingly responsible for paying for themselves
• The world of retirement planning options (IRAs, Roth IRAs, 401(k)s, TSAs, 457 plans, etc.) becomes more complicated all the time
• Many people do not feel comfortable managing their retirement investments in today's complex world

The CFS Financial Advisors at HawaiiUSA can help you to navigate the retirement planning maze.

• Your Advisor will meet with you and help you to define your retirement goals: When will you retire? How much income will you need? What kind of retirement do you picture for yourself?
• Then, your Advisor will help you to assess what you already have done for your retirement: What kind of accounts do you have? How are they doing? How do they all fit together?
• Together with your Advisor, you will create a plan to make up for any shortfalls.
• Finally, your Advisor will show you how to implement your plan and, together, you will monitor it on a regular basis to make sure you stay on track.