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5610 Ward Road, Suite 300 Arvada, CO 80002
9200 E. Mineral Avenue Centennial, CO 80112
Phone: 303-252-0852
Website: www.walshfinancialsolutions.com
January/February 2019
Seeing Past Frightening Headlines
If you read or hear dire predictions about how underfunded Medicare and Social Security are, you would think retirees will soon be in desperate financial shape. The truth is these programs have served retirees for years, and will likely continue to do so in the future. But the reality is that these programs cannot fully fund your retirement so it’s up to you to help ensure your own retirement security by taking common sense steps today to prepare for tomorrow.
For Your Future
While Social Security and Medicare are the safety nets of retirement, your actions will determine how financially secure your retirement will be. Before then, contribute regularly toward your retirement. Contribute at least the amount your employer matches in your 401(k) plan.When you receive raises, promotions and bonuses, put the newfound money into your retirement accounts — you won’t miss the extra money because you never had it. If you want to save more, investigate traditional and Roth IRAs. And if it’s available through your workplace, consider contributing to a triple tax-free Health Savings Account (HSA). By using untaxed dollars in an HSA to pay for qualified medical expenses such as deductibles, copayments, coinsurance and other bills insurance does not cover, you can lower your overall health care costs, even into retirement.
As you near retirement, compare Medicare insurance policies — they can differ in price. Make sure to avoid penalties and surcharges by purchasing Medicare policies within the allowable timeframe. Talk to your financial professional to learn more.
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Advisory Services offered through Walsh Financial Solutions or Vanderbilt Advisory Services. Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB. Walsh Financial Solutions and Vanderbilt Securities, LLC are separate and unaffiliated entities. Clearing agent: Fidelity Clearing & Custody Solutions. Insurance Services offered through Vanderbilt Insurance and other agencies. Supervising Office: 125 Froehlich Farm Blvd, Woodbury, NY 11797 631-845-5100
For additional information on services, disclosures, fees, and conflicts of interest, please visit www.vanderbiltfg.com/disclosures
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