Hilltop Wealth Solutions
Tips to Keep Your Retirement Savings on Track
When planning for retirement, the truth is, the earlier you start saving, the better off you are, thanks to the power of compound interest.

But even if you have yet to begin, there are ways to increase your savings.

Erik Brenner, President of Hilltop Wealth Solutions, spoke with Sunny 101.5’s Traci Cappellman offering tips to help get your retirement on track, especially if you plan to exit the workforce in the next 10 to 20 years.
TRACI: Is 10 to 20 years really enough time to get in solid financial shape for retirement?

ERIK: It’s important to remember, it’s NEVER too late! You can retire in 10 years — even if you have no savings — if you are willing to put in the work. But the process takes discipline and commitment. You need to be realistic about what’s possible, given your limited timeframe. Yet don’t let it deter you from starting and giving it your all.

TRACI: But what if you want or need to retire soon and you’re still short? Are there ways to free up cash that you need for everyday expenses?

ERIK: Many retirees “right-size” their lives because retirement income won’t sustain their expenses. It may mean getting rid of a car and going on one vacation a year, instead of two. But don’t wait until you retire to make these moves. Downshifting while you’re still working helps you to put additional money away.

TRACI: And I’d imagine “downshifting” provides other benefits as well.

ERIK: Yeah, downshifting can allow for a more gradual retirement process. It provides time and space to put money away for retirement while still bringing in income, which can help ease the transition and reduce stress. Downshifting helps you prepare for retirement emotionally, as well.

TRACI: Since money management doesn’t come naturally to most people, why is consulting a financial advisor a wise course of action, especially if you have a smaller window to save?

ERIK:  A good financial advisor ensures that a retirement portfolio maintains a risk-appropriate asset allocation and provides advice on estate planning issues as well. We lift from your shoulders the weight of investment decisions and tax regulations and we assist with legacy planning. And our obligation as a fiduciary advisor is to you alone. We do not accept commissions, so our success depends on your success.

TRACI: Thank you, Erik. If you have little saved and want to retire in 10 to 20 years, you need to get serious about turning things around. Take the first step toward financial independence and sign up for a complimentary 30-minute consultation.

Hilltop Wealth Solutions offers independent and objective advice to help you finally enjoy the view, from the mountain you’ve spent your professional life climbing.

Visit HilltopRetire.com or call (574) 475-7366 to sign up for a FREE  retirement assessment.


Hilltop Wealth Solutions is a registered investment adviser. This is not intended to be relied upon as investment advice, nor an offer to solicit to buy or sell any securities.

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