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Mesa Retirement Planning

Too many people avoid thinking about retirement. But if your golden years are to be financially secure and comfortable, you’ll need to concern yourself with every detail.

Time Magazine has an article that includes a survey by Transamerica regarding retirement in America. They asked more than 4,000 American workers if they knew how much they’d need for retirement, and most could only guess.

Here is where a certified financial planner can help.

A financial planner will help you best set yourself up to maintain your standard of living well into your senior years.

The Mesa area is home to an abundance of financial planners that will guide you through the complexities of retirement planning. You can read further to find out how and why to find a financial planner to advise you.

These are Important Retirement Topics

There are many important retirement topics that need to be considered:

Long-term care planning for the inevitable decline of your independence

Health insurance once you’re using Medicare

Your health care needs as you age

Estate planning to ensure your heirs receive what you leave them

The CFP Board of Standards recommends that you look at these retirement factors carefully for financial security in your senior years.

Income Complications to Consider

A certified financial planner will advise you on how to minimize your tax liability on a fixed income. A competent planner will find ways to increase your monthly retirement income. Your planner can help you know when best to start collecting your social security benefits. Sometimes delaying when you start collecting social security will net you a higher monthly income than if you began earlier.

When and how you begin using your retirement funds will influence your tax liability as well. Use a financial planner to know the best time and manner to withdraw your funds.

Should You Work Past Retirement?

With a financial planner, you’ll know whether you should delay retirement altogether, or simply keep working part-time to maintain a good quality of life. Find out as soon as possible, and you’ll be able to plan accordingly.

Financial Planners in Mesa

Once you’ve decided to find a financial planner to help you with your imminent retirement, it can seem like an overwhelming task. Use online resources to quickly find a list of competent financial planners near you.

The Better Business Bureau of Arizona is a respected organization that accredits local businesses and professionals. They have a useful list of BBB-Accredited financial consultants here.

The CFP Board of Standards provides a searchable database on their website. You can search by location, specialty, and compensation method. Use it to narrow your search and find the retirement specialized financial planner best for your situation.

Make Sure the CFP is Right for You

Interview your candidates thoroughly and make sure that whoever you choose can help you establish a secure and profitable retirement plan. Meet with each one and explain your circumstances completely, then listen carefully to how he can help you. With research and diligence, you’ll find the Mesa financial planner who’ll help you best.

Learn more about Mesa Retirement Planning here:

How Much Does It Cost to Retire in Mesa, AZ

What's the Cost of Living in Mesa, AZ?

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