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You should contribute to your retirement diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online broker/ planner

Very true, I find myself lucky enough exposed to money management at an early age. Worked full time when I was 19, purchased first home at 28 fast forward time I'm 57 now not laid off

This is huge! would love to grow my reserve regardless of the economy situation, my 407k has lost everything accrued since early 2019, at this point, i'm in need of guidance, can you point me?

GREGORY LEO CATTEL is the licensed FA I work with, I can't speak much about him you should make a search with his name, you'd find the necessary details to schedule an appointment.

I just Googled his name and his website came up right away. It looks interesting so far. I sent him an email and i hope he responds soon.

Amazingly, you were able to save that much during your active years. Not a lot of people can save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital, so you are not left devastated during a market crash or recovery. To simplify the process, you could allocate your resources with the help of a financial advisor.

@@KheroFrei Yeah, I’m also closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who have been investing for many years.

@@KennithsAbadies Hey, this caught my interest. I worry that I have a couple more months before retirement, and I want to switch to using a financial advisor, but I don’t know how to find one.

@@DarnellsStevenses Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with MARGARET MOLLI ALVEY for the last five years or so, and her returns have been pretty amazing.

@@KennithsAbadies Thank you for this tip. it was easy to find your coach. Did my due diligence on her. She seems very proficient and I'm grateful for your guidance.

consider investment planning, learning from a well experienced advisor is invaluable and a great thing to do now

That's right. I am a wife, mother of four and new grandmother, 28 years in Corporate America, retired recently at 57 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.

Impressive can you share more info?

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne” for about 4 years now, and her performance has been consistently impressive.

I simply Googled her name and her website came up right away. So far, it appears interesting. I emailed her, and I hope she responds soon. Thanks

To achieve a secure retirement, aiming to save at least 15% of your income in a 401(k) is advisable. Online tools can assist in calculating the best savings strategy for you, considering factors like age and income. Consistently saving this percentage can help build your retirement fund effectively, thanks to the benefits of compound interest.

Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I currently have 75% SCHD and 25% ROTH IRA. Brokerage account is 40% VOO, 35% SCHD, 25% XLK. Combine balance ~$3.3m Less than 3 years until retirement.... I have about 400k in cash. My portfolio has yielded far more than I expected for my retirement. Kudos to my advisor.

That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the names of the advisors who has been assisting you in navigating these financial challenges?

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with *MONICA AYAKO VOS* for about five years now, and her performance has been consistently impressive.

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

Now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.

Having an lnvestment advser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I netted over $220K so far, that made it clear there's more to the market that we avg joes don't know

This is really nice. I worry that I have a couple more years before retirement, and I want to switch to using a financial advisor, I could really use the expertise of this advsors.

'Annette Christine Conte' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon.

Rising costs have impacted my original plan to retire at 62, work part-time, and grow my savings. I can't help but wonder if those who navigated the 2008 financial crisis had an easier time compared to the challenges I’m currently facing. Market volatility, combined with a lower income, has me concerned about having enough for a comfortable retirement.

You’re absolutely correct-financial advisors have access to strategies and opportunities that aren’t always available to the general public. I earned £560k in 2022 with guidance from my fiduciary advisor. Am I cashing out? Definitely not. I’m taking a step back to watch how the market evolves.

I’ve been considering that path myself. I have a significant stock portfolio, but some holdings are starting to decline in value. I'm unsure whether to hold onto them or sell, and I think hiring your advisor could help me effectively restructure my portfolio.

@@FerdLerd Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.

Thank you for the recommendation. I did some research on Rebecca Lynne Buie, and fortunately, I found her details. My goal is to retire in five years, and I’m hoping her expertise can help me make that a reality.

Rising costs have impacted my original plan to retire at 62, work part-time, and grow my savings. I can't help but wonder if those who navigated the 2008 financial crisis had an easier time compared to the challenges I’m currently facing. Market volatility, combined with a lower income, has me concerned about having enough for a comfortable retirement.

You’re absolutely correct-financial advisors have access to strategies and opportunities that aren’t always available to the general public. I earned £560k in 2022 with guidance from my fiduciary advisor. Am I cashing out? Definitely not. I’m taking a step back to watch how the market evolves.

I’ve been considering that path myself. I have a significant stock portfolio, but some holdings are starting to decline in value. I'm unsure whether to hold onto them or sell, and I think hiring your advisor could help me effectively restructure my portfolio.

@@CarddtReddt The advisor I rely on is Rebecca Lynne Buie, a licensed professional. A quick search will provide the information needed to get in touch and arrange an appointment.

The advisor I rely on is Rebecca Lynne Buie, a licensed professional. A quick search will provide the information needed to get in touch and arrange an appointment.

As they say, time IN the market is better than trying to time the market. I think you should seek advice from licensed financial advisors. They’ll give you guide on high risk and low risk investment strategies for your portfolio

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Judith Lynn Staufer’’ for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks

A comfortable retirement requires prudent planning. Those struggling often lack sufficient savings. My husband and I were both civil servants. We made informed choices. He invested through a financial planner and I utilized my 401(k). Now we enjoy continued income in retirement

This is true. I'm in my mid 40's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.

Yes, so also does insufficient information fuels investment anxiety. However working with a CFP has allowed me earn over $500k with ease even in turbulent markets

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you've got it all worked out with the firm you work with so i surely wouldn't mind a recommendation.

JOSEPH NICK CAHILL is my CFP. His expertise transformed my financial outlook. Now I recommend him to you because I understand where you stand

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.

That's right. I am a husband, father of four and new grandfather, 28 years in Corporate America, retired recently at 59 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

When ‘Margaret Johnson Arndt’ is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

consider investment planning, learning from a well experienced advisor is invaluable

That's right. I am a wife, mother of four and new grandmother, 28 years in Corporate America, retired recently at 57 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.

@@mariaguerrero08who is your advisor please, if you don't mind me asking?

"Izella Annette Anderson" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.

@@ЕленаФирсова-ц6м Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* , a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.

@@SuoncyCharlotte Oh please I’d love that. Thanks!

@@ЕленаФирсова-ц6м *MARGARET MOLLI ALVEY*

Lookup with her name on the webpage

Diversification spreads the risk, just like planting different seeds ensures a fruitful harvest.

My adviser guided me through retirement planning, ensuring my investments were strategically positioned for long-term rewards.

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

If you’re looking for guidance, Julianne Iwersen Niemann is the advisor i use. Research her name for all the necessary info to contact her.

JULIANNE IWERSEN NIEMANN' is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

@@YinusaSaheed That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

@@BennettElizabth My advisor is MARGARET MOLLI ALVEY;

You can look her up online

Nah I Can't say I can relate, MARGARET MOLLI ALVEY charge is one-off and pretty reasonable when compared to what I benefit in returns.

Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than a million dollars by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation

I definitely share your sentiment about these firms. Finding financial advisors like Joseph Nick Cahill who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them

I have heard numerous stories of people earning up to $500k-$1m working with this particular real-time portfolio manager

50% stock, 20% Bitcoin, 20% high yield CD/ bonds, 10% cash/ fully liquid stable asset

At a point like this, it's best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future

Having an investment advisor is the best approach to the stock market right now. I was going solo without much success until my wife introduced me to an advisor. I've achieved over 80% capital growth this year, excluding dividends.

Hey friend, How can I work with your Fiduciary?