As a financial advisor, when you first meet somebody at a get-together, a party, or whatever it may be, and they find out what you do for work, you get one of two questions: “so do you have any hot stock picks for me? or “how much do I need to retire?”. Whether you’re a single person or a couple the answer is the same: it depends.
The whole goal of retirement planning and saving to your 401k or your retirement plan accounts is to replace the income that your job will no longer provide when you walk out that door for the last time. That’s what retirement planning is. To speak to that, the average American household income is $69,000 dollars a year. Now some of you will hear that say that sounds like a lot. Others will hear and say, “how does anybody live on that?” and that speaks to just the differences in income. That’s what retirement planning is, it’s about income replacement. Will you need as much as you made while you were working? Hopefully not with some good planning. Will you need a certain percentage of it? Absolutely. Will that percentage vary between couples and families? Of course it will, because everything does, but the goal is to know what you’ll need when you get to that point when you’re ready to work your last day at the job that you’ve worked at for so long and save so hard in. So that when you leave, your lifestyle and the life that you want to lead doesn’t change.
You’ve planned for it and you’ve saved enough, whatever that amount is, to replace the income that will no longer come from your employer, but it will come from you and your savings and your retirement income plan.
“We always felt our financial needs were in very capable hands. Alex Angst is great to work with. Our advisor always made us feel he had our best interests at heart and explained things so we could understand them.”
“Working with Johnson Brunetti has had a positive impact on my life by providing me with the knowledge, confidence, and peace of mind to move forward with my retirement plans. The process of getting to this point, through their guidance, has been informative and pleasurable.”
“I view your company as one that puts my interests first. I think that is very uncommon and very refreshing. “
“Matt does an awesome job! So easy to understand and he listens to our concerns and addresses them! happy I chose your firm!”
“I have been pleased with the help and service I have received from the company. I have met several team members on Eric’s team and have found all of them very well prepared to meet with me when reviewing my portfolio. I always feel that I am an important customer and appreciate that very much. I hope the firm continues to focus on the customer and maintains its great service. I think you do a great job for someone like me!!!! I’m happy I chose your firm!”
Investment Advisory Services offered through JB Capital, LLC.
Insurance Products offered through JN Financial, LLC.
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JB Capital LLC is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. Information presented is for educational purposes only and is not intended as an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.
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