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Have you reviewed your investments and retirement savings?

Last week we started talking about planning ahead for the end of 2014, and I want to continue that conversation today by addressing two additional important topics: retirement contributions and reviewing your investment portfolio. 

When it comes to ramping up your retirement contributions in preparation for a new year, it’s important to plan early so that you don’t miss any opportunities. If you haven’t been in to see us since summer, let’s make sure to get together soon. We’ll sit down with you and do a complete review of your retirement savings and goals. During that review we’ll address your unique situation, but also answer the common questions lots of people are asking, such as should you rollover a work 401(k)? Is it time to diversify, or reallocate? 

In addition, we will help you put together a retirement planning roadmap for 2015 and beyond. Whether you’re retiring next year or are still a decade away, we know that updating and reviewing your retirement plan and strategy on a regular basis will help keep you on track. 

For those you who aren’t even thinking about retirement yet, now is a great time to review your entire portfolio. You’ve most likely come a long way from the days of saving your pennies in your piggy bank as a kid, but think about it – back then, you counted your bounty often didn’t you? Remember shaking out those coins and dropping them back in one by one?

Today, I’d imagine you’ve got a much larger piggy bank, but it’s still important to take stock of where you’re at and how your portfolio is performing. Have your goals changed? Has your risk tolerance level changed? Have you had the opportunity to share this with your financial adviser lately? If you haven’t been able to have that conversation, give us a call. We can review all of those things with you and help create a strategy that will help you address your financial goals. 

With Christmas just around the corner (I know – can you believe that?!), perhaps you’re thinking about financial gifts for your children or grandchildren. We can help you with ideas, whether your kids are still counting coins or they’re making their first real-world investments. Perhaps you’ve heard through friends or media that you should be starting a retirement account for one of your kids or grandkids. Maybe they’re working that first job and making a living, but don’t yet have much left over for retirement planning, and you’d like to help. This could be a great opportunity for us to discuss options with you, such as helping them fund a traditional IRA or Roth IRA.

Give us a call and come on in for a chat. We’ll help you make sure 2014 wraps up on the right financial footing. 

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