Retirement Planning Most of us spend the majority of our working lives saving money. Intricate strategies using 401(k)’s, stocks, bonds and annuities are used alongside asset allocation models that often have a common goal in mind: financial independence.Financial independence means not having to work. Though many of our clients choose to work after they have become financially independent, having enough financial resources saved to support their desired lifestyle provides peace of mind and a possible legacy for the next generation.As we have learned through years of experience, spending requires as much planning as saving. Retirement planning involves managing a number of issues, such as:Not outliving your moneyMinimizing income taxesReducing investment portfolio volatilityCoordinating workplace and social security benefits with IRA’s and other investment accountsBudgetingManaging health care costsYears back many US Citizens were able to rely on the guarantees of pensions and social programs to support their lifestyle after years of working. Of course, that is seldom the case today. Knowing this, at National Financial Network we help our clients take ownership of their retirement and layout a realistic plan for the risks they face and offer possible solutions that go beyond chasing rates of return. Our comprehensive process will illustrate the risks you face and the solutions that are available. Like all of the planning that we do, the retirement strategies we create leverage our experience, but are customized to meet your unique circumstances.