While retirement may seem like a distant dream at this time, taking action now and making decisions with the future in mind can help you realize your retirement dreams when the time comes.

Here are some things to consider and questions to ask yourself to ensure you are on the right track toward reaching your retirement goals.

CONSIDER YOUR GOALS, WISHES, AND PRIORITIES

• What type of lifestyle do you plan on living?

• What aspirations do you have for life in retirement?

• Do you plan to work during your retirement?

• Where do you see yourself living during retirement?

• If you have a partner or spouse, are you both on the same page as far as needs, goals, and expectations?

THE FAMILY CONVERSATION

• Will you have any dependents that will count on you for personal or financial support?

• Are you saving for other goals such as funding your child’s college education? Make sure your plans are “talking to each other.”

• Do you anticipate any career or lifestyle changes?

KNOW YOUR NUMBERS BE SMART WITH SAVING AND INVESTING

• Estimate your expenses and cash flow needs during retirement.

• Consider potential health and long-term care needs and costs that could arise during retirement.

• Try to avoid racking up “bad” debt (i.e., credit cards, car loans), and put a plan in place to pay down existing debt.

BE SMART WITH SAVING AND INVESTING

•Make saving a priority: Work your retirement savings into your budget so there’s no excuse..

• Don’t wait: Start saving today to take advantage of compounding interest over time.

• Are you contributing to an emergency fund to ensure your retirement savings will be protected should unexpected expenses arise?

• Are you participating in your employer’s retirement plan? If so, contribute the maximum amount in order to take advantage of your employer’s matching contribution

•Do you have an Individual Retirement Account (IRA)? Should you consider contributing to a Traditional or Roth IRA

By establishing a relationship with a Janney Financial Advisor, we can build a tailored financial plan and make recommendations about solutions that are aligned with your best interest and unique needs, goals, and preferences

Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest

For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.

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