Planning for retirement is one of the most significant financial decisions you’ll ever make. It’s not just about numbers, savings accounts, or investments; it’s about your future, your dreams, and the quality of life you wish to enjoy in your golden years. I’m Sharon, the Safe Money Lady™, and I’m here to personally invite you to take the next step in ensuring that your retirement goals are not just dreams, but attainable realities.

Whether you’re just beginning to think about retirement or you’re already well on your way, this is the perfect time to review your retirement plan, assess your goals, and make sure everything is on track. Let’s face it – the world is constantly changing, and with those changes come shifts in the economy, laws, and even personal circumstances. That’s why it’s crucial to regularly review and update your retirement plan, and I’m here to help you do just that.

Why Is Now the Right Time to Review Your Retirement Plan?

You might be wondering, “Why should I review my retirement plan now?” or “Isn’t my current plan good enough?” These are valid questions, and they’re exactly why I’m reaching out to you today. Here are a few reasons why now is the perfect time to schedule an appointment with me to check in on your retirement goals:

1. Economic Changes: The economy is always in flux. Inflation, interest rates, and market conditions can have significant impacts on your retirement savings. What worked for you five or ten years ago might not be the best strategy today. By reviewing your plan now, we can make adjustments to ensure your money is working as hard as possible for you.

2. Legislative Updates: Retirement planning isn’t just about saving money; it’s also about understanding and leveraging the laws that govern retirement savings and distributions. New legislation can affect everything from how much you can contribute to your retirement accounts to how your distributions are taxed. Together, we can explore any new opportunities or necessary adjustments to your plan.

3. Personal Milestones: Life changes. Maybe you’ve recently welcomed a new grandchild, received a promotion, or downsized your home. Each of these milestones can affect your retirement goals and strategies. It’s important to reassess your plan regularly to make sure it still aligns with your current situation and future aspirations.

4. Retirement Horizon: As you get closer to retirement, your focus should shift from accumulating wealth to preserving it. This transition requires a different strategy, one that prioritizes income stability and risk management. Whether retirement is just around the corner or still a few decades away, it’s important to adjust your plan as your timeline shortens.

5. Healthcare Costs: One of the biggest concerns for retirees is healthcare. With rising costs, it’s essential to have a plan in place to cover medical expenses in retirement. Reviewing your plan now allows us to ensure you have adequate coverage and strategies in place to handle these potential costs.

What Can You Expect During Our Meeting?

When you schedule an appointment with me, you can expect a thorough and thoughtful review of your current retirement plan. My goal is to help you feel confident about your future and ensure that you’re on track to meet your goals. Here’s what we’ll cover during our time together:

1. Comprehensive Review of Your Current Plan: We’ll start by looking at where you are now. This includes reviewing your retirement accounts, such as 401(k)s, IRAs, and other investment portfolios. We’ll assess how well your current investments align with your goals and whether they’re positioned to provide the income you’ll need in retirement.

2. Goal Setting and Clarification: Next, we’ll revisit your retirement goals. What does your ideal retirement look like? Do you plan to travel, volunteer, start a new hobby, or spend more time with family? Your goals may have changed since you first started planning, and that’s okay. We’ll work together to clarify what you want out of retirement and how we can make those dreams a reality.

3. Income Planning: A critical component of retirement planning is ensuring that you have a reliable income stream. We’ll discuss your sources of retirement income, such as Social Security, pensions, and investment withdrawals. I’ll help you strategize on how to maximize these income streams while minimizing taxes.

4. Risk Management: Retirement can bring about various risks, from market volatility to unexpected healthcare costs. We’ll evaluate your risk tolerance and ensure your portfolio is diversified to protect against these risks. Additionally, we’ll explore insurance options, such as long-term care insurance, to safeguard your savings.

5. Estate Planning Considerations: Estate planning is often overlooked, but it’s a crucial part of retirement planning. We’ll discuss your wishes for passing on your wealth and ensuring that your loved ones are taken care of. This may involve updating your will, setting up trusts, or naming beneficiaries on your accounts.

6. Actionable Steps and Adjustments: After our review, I’ll provide you with actionable steps to enhance your retirement plan. Whether it’s reallocating investments, exploring new income strategies, or adjusting your savings rate, I’ll give you clear guidance on what you can do now to improve your retirement outlook.

Why Choose Me as Your Retirement Planner?

You might be asking yourself, “Why should I choose Sharon, the Safe Money Lady™, to help with my retirement planning?” I’m glad you asked. Here’s what sets me apart:

1. Personalized Service: I’m not just another financial advisor; I’m a partner in your retirement journey. I take the time to get to know you, understand your goals, and tailor my advice to fit your unique situation. You’re not just a number to me; you’re a valued client, and I’m committed to helping you achieve your dreams.

2. Expertise and Experience: With years of experience in retirement planning, I have the knowledge and expertise to navigate even the most complex financial situations. I stay up-to-date with the latest industry trends and legislative changes to provide you with the best possible advice.

3. Holistic Approach: Retirement planning is about more than just money. It’s about ensuring that every aspect of your life is taken care of, from healthcare to estate planning. I take a holistic approach to retirement planning, considering all facets of your life and how they impact your financial future.

4. Trust and Integrity: Trust is the foundation of any successful financial relationship. I pride myself on being honest, transparent, and ethical in all my dealings. My clients know that they can rely on me to act in their best interests at all times.

5. Commitment to Education: I believe in empowering my clients with knowledge. I take the time to explain complex financial concepts in a way that’s easy to understand. This ensures that you’re not just following advice blindly, but making informed decisions about your future.

How to Schedule Your No-Obligation Appointment

Scheduling an appointment with me is simple, and there’s absolutely no obligation. Whether you’re looking for a comprehensive review of your current retirement plan or you’re starting from scratch, I’m here to help.

1. Call or Email: You can reach out to me directly by phone or email. I’ll work with you to find a convenient time for our meeting.

2. Online Scheduling: If you prefer, you can schedule an appointment through my website. Simply choose a time that works for you, and I’ll confirm your appointment.

3. In-Person or Virtual Meetings: I offer both in-person and virtual meetings, depending on your preference. If you’re in the Daytona Beach area, we can meet at my office. If you’re more comfortable meeting virtually, I can accommodate that as well.

4. No-Obligation Guarantee: Remember, there’s no obligation or pressure to move forward after our initial meeting. My goal is to provide you with valuable insights and advice, regardless of whether you choose to continue working with me.

The Benefits of Regular Retirement Plan Reviews

Even if you’ve already done some retirement planning, regular reviews are essential to staying on track. Here’s why:

1. Adapt to Life Changes: Life is full of surprises, and your retirement plan should be flexible enough to adapt to those changes. Whether it’s a new job, a change in health, or a shift in your retirement goals, regular reviews allow us to make adjustments as needed.

2. Stay Ahead of Market Changes: The financial markets are constantly evolving. By reviewing your plan regularly, we can make sure your investments are aligned with your risk tolerance and goals, and make any necessary adjustments to keep you on track.

3. Take Advantage of New Opportunities: New financial products, tax strategies, and investment opportunities are always emerging. During our review, we can explore any new options that may benefit your retirement plan.

4. Peace of Mind: Knowing that your retirement plan is up-to-date and aligned with your goals gives you peace of mind. You can enjoy your life today, knowing that your future is secure.

My Commitment to You

As your retirement planner, my commitment to you goes beyond just providing advice. I’m dedicated to helping you achieve the retirement you’ve always dreamed of. Whether that means traveling the world, spending time with loved ones, or simply enjoying a comfortable and worry-free lifestyle, I’m here to help you make it happen.

I believe that retirement should be a time of joy, not stress. That’s why I’m passionate about helping my clients create plans that are not only financially sound but also aligned with their personal values and aspirations.

Don’t Wait – Schedule Your Appointment Today

Retirement planning is too important to put off. The sooner you start, the more options you’ll have, and the better prepared you’ll be for whatever the future holds. I’m here to help you every step of the way, from setting your goals to navigating the complexities of the financial world.

So, what are you waiting for? Let’s take the next step together. Contact me today to schedule your no-obligation appointment and take the first step toward a secure and fulfilling retirement. I look forward to working with you and helping you achieve the retirement of your dreams.

Warm regards,

Sharon, Your Safe Money Lady™

Sharon Ben-David

Phone: (954) 261-5200
Licensed Mortgage Broker, Certified Professional Retirement Planning Adviser, and Financial Advocate

Protecting Your Nest Egg, Inc.

NMLS #2308601