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At one time, a retirement plan often consisted of a pension. When using a pension as a retirement option, it was the employers responsibility to prepare and pay. Today, pensions are a rarity and 401K retirement accounts have taken their place. Along with taking the place come the responsibility shifting to that of the employee. Employees are left to their own devices to determine where they would like to invest depending on what the benefits plan offers and their particulars such as age or level of risk tolerance. If you were to leave your employer or you retire, you have several options:
Each option carries its own risks and rewards. If you have been waiting to take on your financial planning, if you need to restructure your plan due to what is currently happening in the market, or if you would like the help of a financial advisor in determining what the appropriate plan is for you, now is the time to act.
At Russell Wealth Management, we ensure our clients' needs are addressed with custom-tailored plans that are as unique as their individual situations. Call us at 716-332-7164 to start a conversation about how we can help support your retirement planning.