Through the years, they have been smart at getting returns on their investments and diligent in setting up their 401ks and retirement plans through the companies that employed them. They purchased CDs and stocks when the timing was right, and invested a little here where it’s safe, while risking a little there, which turned out okay. All the while, they have saved as well, putting money aside for unexpected expenditures and emergencies.

They have followed the Golden Rule and done everything right. They have been responsible with their money; however, now it’s time to enter a new phase of their lives — retirement — and things begin to get a little murky!

Life Happens

Several years ago, during a competitive round of golf with your neighbor who was a financial advisor and all around nice guy, you challenged him to sink an 8-foot putt on the 18th hole to beat you by a shot. His winnings? You agreed to turn over a stock dividend to his company to see what kind of money he could make you. He’s turned you a bundle over the years and he still holds that account.

Then there was that time you got an insanely generous Christmas bonus and decided to invest it all in pork bellies futures. You did that through a stockbroker you met in a networking group at the Chamber of Commerce.

Oh, and you went in with your brother-in-law on a land investment where a multimillion-dollar commercial development stands today. He still handles the details of that enterprise. And you have an annuity at one bank and a CD at another; you rolled over your 401k when you retired and … now that you think about it … your money is all over the place!

I don’t know how much I have saved … I just knew I needed to!

It is a common problem. Many people find themselves in this predicament when they retire. They did all the right things along the way but now that they have reached retirement, they discover they have a very fragmented financial plan. They aren’t sure exactly how much money they have, and even worse, they aren’t sure why they don’t know!

Brad Williams Financial Services works with clients at or near retirement age to help them put it all together — not necessarily in one pot — but pulled together into a cohesive, structured plan. Our customers know where their money is, and exactly how much they have, so that as they move into the spending years of their life, as opposed to the saving years, they are right on the mark!