多年来,退休已成为普通美国人越来越担心的问题。 虽然为自己设定目标固然重要,但很容易被最新的消息或法例的潜在修订所吸引,令你害怕明天可能带来什么,以致今天完全忘记。

为什么你需要退休计划员

你需要一个退休规划师的理由有很多。 最重要的原因是退休规划师能帮助你实现你的财务目标。

退休规划师可以帮助你计算出你需要多少钱才能安逸地退休。 它们还可以帮助你制定一个预算和投资计划,从而增加你的私房钱。

退休计划员也可以帮助你保持退休储蓄的轨道。 他们可以就如何节省更多的钱提供建议,并确保你在实现目标的轨道上。

最后,退休规划师可以提供心灵的平静。 知道有人正在帮你规划未来,可以减轻退休计划的压力。

如何为退休作好准备

为了准备退休生活,有几件事可以做。 以下是一些贴士:

早点开始攒钱吧。 你越早开始储蓄,你的钱就越需要增长。 从20多岁开始储蓄的话,比起等到30多岁或40多岁为止,情况会更好。
明智地投资。 并非所有的投资都是平等的。 做你的研究和投资于高质量的资产将有助于确保你的巢穴尽可能地增长。
过低生活。 重要的是要量入为出,这样你就不会以大量的债务而告终。 还清债务和谦虚的生活将使你不再工作后更容易维持你的生活方式。
有个计划 退休不仅仅发生——你需要为退休做准备。 计算出你需要多少钱来支付你的开支,然后制定一个储蓄和投资计划来达到目的。
保持健康。 你的健康是决定你的退休生活能持续多久和舒适程度的最大因素之一。 一定要注意身体和精神上的保养,这样你才能享受一个漫长而丰硕的退休生活
参见:这个简单的技巧就是帮助年轻人整理好他们的财务状况
如何寻找合适的财务顾问

在寻找合适的财务顾问时,有几件事你应该牢记。 首先,你要确保顾问是你能信任的人。 这就意味着找一个有执照和保险的人,以及和你处境相同的人有工作经验的人。

找一个符合你的目标和价值观的顾问也很重要。 例如,如果你想尽快退休,你会想找一个专门从事退休计划的顾问。 同样,如果你有一个特定的目标——比如送孩子上大学——你会需要一个有经验的顾问来帮助客户达到这样的目标。

最后,在做出决定之前,不要害怕面试多个顾问。 一个适合你的顾问会是你觉得长期合作很舒服的人,所以找一个符合你所有标准的人是很重要的。

警告信号:你可能处于危险的财务状况中

成功退休的最大障碍之一就是处于危险的财政状况。 有迹象表明你可能处于危险的财务状况中。 这些警告标志包括:

你过着一分钱一分货的生活,没有积蓄。
你欠的信用卡债务是无法偿还的。
你拖欠了抵押贷款或其他账单。
你被解雇了。
如果你处于上述任何一种情况下,采取行动摆脱危险区是很重要的。 你可以通过制定预算、削减开支和增加收入来做到这一点。 如果需要帮助,财务顾问、咨询师等可以利用的资源很多。

我们发表的更多报告:

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By Xiu 秀

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