Plan For Your Retirement (NAPSA)—Ifyou're like 82 percentof Americans, you may be concerned about retirement, according to the Employment Benefit Research Institute. Fortunately, you may have a brighter future if you heedfive hints from Ray LeVitre, CFP, author of “20 Retirement Decisions You Need To Make Right Now”as well as founder and managing partner of Net Worth Advisory Group—afirm specializing in retirementfinancial planning. 1. Track your expenses now. Grad- ually adjust your expenditures toward the budget you'll havein retirement. 2. Start livinglike a retiree. Change yourlifestyle to reflect how it might be in retirement. That might mean downsizing your home, reducing your leisure travel or driving a more efficient car. Retirement DECISIONS YOU NEED TO MAKE RIGHT NOW %, %, ny tiny % ef MY, rsig Bs aa iy “ yr ior : we *50 e jah 9oy 0% Dot have enous” my 3 a gea ——RAY E. LEVITRE——— CFP @ A comprehensive, easy-read book advises people approachingretirement on major financial decisions that can profoundly impactlifestyle over the next 40 years. 3. Increase your savings. Within 15 years of retirement, contribute a minimum of 15 percent of earnings toward retirement. 4. Explore your Social Security op- tions. Postponing benefits until age 70 can significantly boost lifetime income. Explore spousal benefits, too. 5. Don’t invest too conservatively. A broadly diversified, well-balanced portfolio of equities, bonds and cash offers the best opportunity to maintain the necessary growth of capital while minimizing volatility. Learn More Further insights and advice are at www.NetWorthAdvice.com. The book can be ordered from Amazon.
