Retirement Plans

It is remarkable how often people fail to properly plan for retirement.  “According to a recent survey by the Employee Benefit Research Institute, only six out of every 10 workers are saving for retirement, and only one in 10 workers has prepared a formal plan to ensure financial security in retirement. Even people who are saving for retirement aren't doing everything they can to make the most out of the stock market's boom years. Fidelity's analysis finds that only 30% of 401(k) savers increased the amount they're contributing to their retirement plans in 2017.”*

Howard specializes in helping clients develop a solid plan for retirement through a step-by-step process that incorporates current savings, social security, other sources of income, and future spending needs and wants.