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Too many clients rely on their portfolios to do the heavy lifting when they haven't saved enough for retirement. But as these charts show, portfolio returns rarely compensate for undersaving. Impress upon clients—especially younger ones—the need to start saving early and consistently.
For the undersaved client, here's a reminder: a few mild sacrifices now could mean a lot more comfort later.
Building a retirement plan is far different from creating a standard financial plan. Not only do you have to extrapolate your client's needs for the next 20 to 30 years, but you also have to convert assets, allocate income, and optimize taxes. Here's a six-step guide to systematically building retirement plans for middle-income clients.
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Social Security and Medicare Workshop
With Elaine Floyd, CFP®
May 12–15, 2025
The Discovery Meeting Workshop: Transform Your Discovery Process
May 19–20, 2025