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Planning Your Golden Years
It is not uncommon to approach retirement with unease and lack of certainty in your financial future.

As defined benefit plans (pensions) began to make way for the defined contribution plans (401k, 403b, 457, etc.) we know today, there was a massive shift in retirement readiness responsibility. In previous generations, it was more common for a household to have pension income and two Social Security benefits.

Combine those fixed income sources with a shorter retirement on average, it was not as imperative that the retiree had abundant wealth in their own retirement accounts.

How have things changed?

With fewer and fewer pensions being offered, that puts more emphasis on everyone’s ability to save for themselves. We are also facing a tipping point in the solvency of Social Security, which puts even more burden on the retiree to plan and spend responsibly.

Planning for retirement has challenges but planning without knowing the path you are on creates additional areas of concern on which to focus.

Each of our advisors follow the fiduciary standard on advisory accounts and our team is dedicated to planning for a future that empowers you to live your best life and to do so with confidence. You will work closely with these advisors to design, oversee and maintain a comprehensive financial plan that includes Lifestyle Planning, Financial Planning and Wealth Management.

Find confidence in the retirement decisions so many people, people like YOU, must make during this new chapter in life. You don’t have to be worried about money once you achieve financial confidence; let’s start planning towards that goal and start living well today.

At Heritage Wealth Solutions, we provide professional assistance in a wide variety of areas. However, our sevice areas of specialty can be easily divided into three main categories: Investments, Financial Planning, and Insurance.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Contact David Ayala Today!

David Ayala is one of the partners here at Heritage Wealth Solutions, and a specialist when it comes to wealth management for medical professionals. If you’re looking to increase your financial security so you can keep your focus on healing, contact David today for a consultation.