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Building a better retirement

1/22/2013

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When it comes to investing for retirement, women are often at a disadvantage. They typically earn less than men and begin investing later in their careers. They're more likely than men are to take time out from the work force to raise children or care for elderly parents. As a result, women tend to accumulate less money for retire­ment than they may need.*

Divorce or widowhood and a longer average life expectancy increase the chances that a woman may be single at some point during her lifetime. Having an adequate nest egg to provide for life's uncertainties is essential.

That's why it's so important that you make time to take stock of your retirement portfolio and focus on strategies that can help you prepare for the future.

An early start 
As you probably know, the sooner you begin investing, the more years your money will have to potentially grow and compound. Investing even a small amount can result in a substantial account balance over time. If you haven't started investing, don't wait any longer to put as much as you can afford in an employer's retirement plan or an individual retirement arrangement (IRA).

The right stuff 
The mix of stocks, bonds and cash alternative investments you choose has a lot to do with how well your portfolio performs. Your asset allocation** should reflect your goals, time frame and risk tolerance. Generally, the longer you have until you plan to retire, the more risk you may be comfortable taking with your investments. When you are designing your asset allocation strategy, keep in mind that even low inflation can reduce the purchasing power of your retirement portfolio over the long term.

Under control 
Reducing expenses both before and during retirement can improve your financial situation. Eliminating costly credit card debt or moving to a smaller house could help stretch your retirement money.

Learning curve 
Reading financial websites and publications geared specifically toward women can help improve your financial literacy. Your financial professional can answer any questions resulting from your research and help you get on track toward a more comfortable retirement.

* Women & Retirement: Current Outlook & Opportunities, Transamerica Center for Retirement Studies, August 2010

** Asset allocation does not guarantee a profit or protect against losses.


FINRA Reference #FR2012-1030-0151/E 02/04/13

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We Value Your Input... Your feedback is very important to us. If you have any questions about any of the subjects covered here, or suggestions for future issues, please don't hesitate to call. It's always a pleasure to hear from you.
 
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    Larry Brasel, Financial Advisor, Dallas, TX

    Larry D. Brasel

    Investment Professional
    Dallas, TX

    I am committed to helping my clients achieve their financial goals for
    themselves, their families and their businesses by providing them with strategies for asset accumulation, preservation and transfer.
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