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Securities and advisory services offered through Commonwealth Financial Network®, Member www.FINRA.org/www.SIPC.org, a Registered Investment Adviser. Fixed insurance products and services offered through Pipes Insurance Service, LTD, MaPP Investment Service, LLC or CES Insurance Agency.

This communication is strictly intended for individuals residing in the states of AL, CA, GA, FL, MI, NC, SC, IL, PA, TX, WV and OH. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.

When should I start saving for retirement ?

Retirement planning is the process of evaluating your current financial standing and creating a strategy to help ensure that you achieve your desired retirement lifestyle. It is about matching goals with financial realities, and the focus is generally on providing a lifetime of income after your last paycheck.

Because an individual’s retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put in place during your working years should address ways to help maximize growth and prepare for tax-efficient distributions.

As mentioned above, planning for retirement requires us to devise simultaneously a plan for growing your wealth and a plan for drawing on your wealth: accumulation and distribution. It also involves risk management. Other subjects, such as IRA rollovers, employer-sponsored plans, and executive compensation, are also appropriate to retirement planning.

Retirement planning is a critical component of wealth management, and a good retirement plan will be well-coordinated with your overall plans for investments, insurance, business, estate, and taxation.

It’s never too soon to start planning for the future. We can help. Contact us at (330) 339-6413 or submit a form.

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    “Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.”


    – Paul Samuelson


    “Know what you own, and know why you own it.”


    – Peter Lynch