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Anthony Penree
Financial Advisor
LTM Marketing Solutions, LLC
1060 Broadway #1161
Albany, NY 12204
Phone: 518-870-1081
Email: apenree@ltmclientmarketing.com
Website: ltmclientmarketing.com
July/August 2025
Near Retirement
The younger you are, the easier it may be to correct poor spending habits. But no time is more important to nail this financial aspect than when you're near retirement. Because this time of your life may include less income than when you worked, it 's important to start by lowering your expenses.
Healthy spending habits near and in retirement may start and end with reducing your major expenses. Downsizing your living arrangements could provide the biggest boost to your disposable income. Paying off credit card debt is a must and planning for unexpected expenses should be a priority. Know, for example, that a home you own will need maintenance at some point, so plan for its costs. Carry the insurance needed to pay for health, disability and long-term care.
Revisit your spending plan regularly to account for changes in your life.
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