It’s never too early to plan.

Review your pension plan, 401 (k), IRAs, Social Security benefits and other savings plans to assess whether they meet your long-term retirement goals and will generate enough income to meet your projected expenses.

Curb spending.

Log your trips to the market, afternoon lattes, dry cleaning , all

miscellaneous spending. You’ll realize you’re spending more than you thought.

Re-define your financial goals.

Where you see yourself in five, 10 or 15 years.? You may be able to retire earlier or pay for college. Set goals .

Get help.

Seek professional help with investment losses, financial products, insurance coverage and other important issues.

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