How much are you saving for your retirement? Check out four reasons why you many not be doing enough to pad your retirement nest egg.

1. H. Bradley Bertrand
Bertrand Retirement Strategies

2.  Experts recommend to
save between 10-25% of
your salary for a secure
retirement
 Cut unnecessary
expenses to save more
money for retirement
 Get out of debt! Cut up
some credit cards and
start paying in full every
month
 Set up a budget to begin
living within your means

3.  Participate in an
employer plan right
away. Matching
contributions is free
money
 Look into 401k or IRA
accounts that are tax-
advantaged, allowing to
delay paying taxes until
retirement
 Maximize your annual
contributions to these
accounts

4.  Prepare for the worst when estimating your
needs
 Benchmark against high inflation rates,
healthcare costs and living until you are 100
 Assume using at least 80% of your current
income

5.  Previous generations were able to rely on a
substantial Social Security, large Employer
pensions and a little bit of savings
 As we move to a new retirement era, Social
Security will be shrinking, Employer pensions
are at risk and most will be relying heavily on
personal savings

6.  Begin saving and investing aggressively early
and defer retirement as long as possible
 The earlier you begin to invest, the more you can
contribute over your working lifetime
 The earlier you begin to invest, the more time
investments will compound
 Create a retirement plan. Monitor and revise the
plan according to life changes and situations
 Factor in healthcare and long-term care costs
into your retirement plans

7. Thank You
H. Bradley Bertrand
Bertrand Retirement Strategies
LinkedIn: http://linkedin.com/hbradleybertrand
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Oklahoma City, OK
73159
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