Planning for Retirement

Ironically enough, many of us start talking about retirement when we begin our first job. During our orientation on the first day, we are asked to decide how much money we would like to put into a retirement plan and how we would like it to be invested. 

There are many different types of investments. We should select our investments based upon our individual risk tolerance, return expectations, and retirement time horizon. It is also important that we consider how we have invested money in our other accounts, including spouse's retirement plans, savings accounts, and certificates of deposit.

Our investment strategies may change as we near retirement. Once we have a plan in place, it is important that we review it regularly with our financial advisor. 

 

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Planning Tips

  • Does my employer offer a retirement plan?  If so, do they offer an employer match?

  • Are there tax benefits for having an additional retirement account outside of my employer-sponsored program?

  • Have I recently reviewed the strategies in all of my retirement and investment accounts with my financial advisor?

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, an independent, registered broker/dealer.  Securities offered through Raymond James Financial Services are :

Not Deposits Not Guaranteed by Isabella Bank Subject to Risk
Not Insured by FDIC or any other Government Agency May Lose Value

This site is published for residents of the United States only.  Raymond James' Financial Advisors may only conduct business with residents of the states for which they are properly registered.  Please note that not all of the investments and services mentioned are available in every state.  Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.  Contact your local Raymond James office for information and availability.  Raymond James Financial Services, Inc. Privacy Notice.

 

Isabella Bank and Isabella Bank Investment & Trust Services is independent of Raymond James Financial Services, Inc.  Trust Services are not affiliated with Raymond James Financial Services, Inc.