Andrew Rosen

Good communication between clients and their advisers starts with one simple question: Do you want hard truths and real analysis, or just a sounding board?

Spending more in retirement isn't inherently a bad thing - as long as you're spending intentionally.

For some people, spending the money they've saved in retirement can be the most difficult part of the process.

Retirement is obviously a financial goal, but true happiness in retirement is about much more than just money.

Your first year of retirement may be an adjustment, here is what you might expect.

TABLE OF CONTENTS Fundamental Differences Between Saving And Investing Are You Oversaving? The Benefits Of Saving

For many people, the idea of entering retirement without a mortgage sounds appealing. No monthly payment. Lower fixed expenses. A sense of financial freedom.

Unlike some retirees, you may not have had financial advice throughout your life to guide your decisions. But it isn't too late to benefit from it.

For most of your working years, the goal is straightforward. You save, invest, and build your portfolio over time. Retirement changes the question.

For many people, retirement feels like a finish line. After years of saving and planning, it is easy to assume that most of the work is done.