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The things you see yourself doing when 9–5 no longer belongs to someone else. The places you picture yourself exploring. The people you intend to spend it all with. If you can imagine the way you want to retire, you can plan for it.

With employer pensions on the decline and uncertainty surrounding Social Security, retirement planning is more important than ever. At caldwells-capital.com , we can help you understand exactly how much you'll need to retire the way you want, and develop an income strategy to get you there. We'll look at your expenses, priorities, and goals and help you put your money to work, so you can take some well-deserved time off.

Where can retirement income come from?

Beyond traditional investments, here are some more places where you can find money for retirement:
  • 1. Put money away now, for a guaranteed income later with annuities.

  • 2. Aside from keeping your loved ones' financial future bright, you can use living benefits from your whole life insurance policy after you stop working.2 More about Life Insurance

  • 3. IRAs and your employer's 401(k) plan are good ways to save for retirement today. Learn more about IRAs and 401(k)s.

When should I start saving for retirement

While having a 401(k) or IRA is a great start, a solid financial plan takes a closer look at the income you have coming in, and the amount you'll need to supplement. The earlier you start planning, the longer you have to build up your savings and put your plan into action. But even if you plan on retiring in the next year or two, there's time to get prepared.

Social Security Administration, 2017

"31% of American workers have no savings set aside specifically for retirement.

Beyond traditional investments, here are some more places where you can find money for retirement:"

Put time on your side

We often hear about the importance of starting early to save for retirement, but it's hard to visualize the difference that starting early can make. Regardless of the rate of return (as long as it's greater than zero) a person who only saves from ages 25–35, will always have considerably more money by age 60, than the person who saved from ages 35–60. Thanks to compounding interest, you can end up with more money, after saving for fewer years, as long as you start earlier.

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*Your data is Important! Therefore protecting your information from unauthorised access and accidental disclosure is a top priority. caldwells-capital.com pursues information security with the same commitment to excellence that we apply to understanding our clients financial needs. We work hard to protect your information. caldwells-capital.com information security and data protection is driven by the same commitment to excellence that we apply to understanding the financial needs of our clients.

At caldwells-capital.com, we employ a multi-layered approach to security. Among the systems we use to protect information are firewalls, malware identification programs, fraud detection systems, data loss prevention infrastructure, email filtering, virus controls and system redundancies, including network segmentation.