BPTW_Awards-Horizontal-4c.jpg BPTW_Awards-Horizontal-4c.jpg

(800) 822-3642

info@ExemplarFN.com

Crystal Lake | Walworth  | Westmont

Join Exemplar Account Login

            

Your Pathway to Success

Retirement Planning

Avoiding the Money Pitfalls of Past Generations

 

Avoiding the Money Pitfalls of Past Generations

Take these financial lessons to heart.

 

Provided by Exemplar Financial Network

 

bigstock--218804002.jpgYou have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that.

     

Live below your means and refrain from living on margin. How much do you save per month? Generations ago, Americans routinely saved 10% or more of what they made, either depositing those savings or investing them. This kind of thriftiness is still found elsewhere in the world. Today, the average euro area household saves more than 12% of its earnings, and the current personal savings rate in Mexico is 20.6%.1

Refrain from Tapping Your Retirement Funds

 

Refrain from Tapping Your Retirement Funds

Resist the temptation. Your future self will thank you.

 

Provided by Exemplar Financial Network

 

bigstock-Retirement-Fund-5464669.jpgRetirement accounts are not bank accounts. Nor should they be treated as such. When retirement funds are drawn down, they impede the progress of retirement planning, even if the money is later restored. 

Will Debt Spoil Too Many Retirements?

 

Will Debt Spoil Too Many Retirements?

What pre-retirees owe could compromise their future quality of life.

 

Provided by Exemplar Financial Network

 

bigstock-A-senior-adult-couple-sitting--small.jpgThe key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along the way. Another possible point for that list: pay off as much debt as you can before your “second act” begins. 

 

Some baby boomers risk paying themselves last. Thanks to lingering mortgage, credit card, and student loan debt, they are challenged to make financial progress in the years before and after retiring.

One Couple, Two Different Retirements

 

One Couple, Two Different Retirements?

After many years together, some retired spouses may find their daily routines far apart.

 

Provided by Exemplar Financial Network

 

bigstock-A-senior-adult-couple-sitting--small.jpgWhen you see online ads or TV commercials about retirement planning, do they ever show baby boomer couples arguing? No. After all, retirement planning is about the pursuit of a happy outcome – a fun and emotionally rewarding “second act” that spouses and partners can share.

Why Retirees Need Good Credit Scores

 

Why Retirees Need Good Credit Scores

Careers & businesses end, but the need to borrow remains.

 

Provided by Exemplar Financial Network

 

bigstock-Colorful-stack-of-credit-cards-small.jpgWe spend much of our adult lives working, borrowing, and buying. A good credit score is our ally along the way. It retains its importance when we retire.

 

Retirees should do everything they can to maintain their credit rating. A FICO score of 700 or higher is useful whether an individual works or not. 

Have a Plan, Not Just a Stock Portfolio

 

Have a Plan, Not Just a Stock Portfolio

Diversification still matters. One day, this bull market will end.

 

Provided by Exemplar Financial Network

 

bigstock-Retirement-Plan-Savings-Senio-small.jpgIn the first quarter of 2017, the bull market seemed unstoppable. The Dow Jones Industrial Average soared past 20,000 and closed at all-time highs on 12 consecutive trading days. The Nasdaq Composite gained almost 10% in three months.1

 

An eight-year-old bull market is rare. This current bull is the second longest since the end of World War II; only the 1990-2000 bull run surpasses it. Since 1945, the average bull market has lasted 57 months.2

Meet your team

Have you met your team?

We have a wealth of experience in the financial services industry.

Syndicate content

Privacy Policy Disclaimer.  Exemplar Financial Network 413 E. Terra Cotta Avenue (Route 176) Crystal Lake, IL 60014. Phone: 815.459.4550

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WI, WY. 

 

Website Design For Financial Services Professionals | Copyright 2018 AdvisorWebsites.com. All rights reserved