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Baby Boomers and the Changing World of Retirement
In roughly 10 years, the most chronicled generation in America will gradually enter retirement. At that point, each wave of baby boomers will quickly discover if their retirement plans, Social Security, and personal savings will be sufficient to maintain their existing lifestyles and needs. So, if you're a "boomer," what can you do to determine if your savings and assets will be sufficient to fund your retirement years? You can gain insight into your financial future by estimating and analyzing the following:
  • potential income sources (e.g., annuities, investments, income-producing real estate, inheritances, employer-sponsored retirement plans, Social Security, etc.);
  • projected balances of retirement and savings plans;
  • costs of future health care needs;
  • annualized rate of inflation over retirement years;
  • amount of Social Security income to be received;
  • percentage of present income required during retirement years; and
  • length of years retirement may last. As is true of every generation facing the retirement planning process, baby boomers need to have a disciplined savings program in place. Together with the assistance of your financial services professional, you can work toward building the necessary retirement fund to help secure your financial future.
    • Copyright © 2002 -- Liberty Publishing, Inc. All rights reserved.
    Charles R. Wolpoff, CFP®
    Steven A. Aquino, RFC
    62 West Main Street
    Westminster, MD 21157

    ph: 410.857.3331
    toll free: 877.293.4629

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    Charles R. Wolpoff, CFP® and Steven A. Aquino, RFC

    What you do today determines your direction, your prosperity and your future.

    When you retain Lincoln Financial Advisors, you benefit from financial planning and personal service unparalleled in the industry. We take the time to fully understand you and your needs. Then we provide you with the information, advice and alternatives you will need to make the best possible decisions about your financial future.

    Our firm's philosophy - "Serve First, Last and AlwaysSM " - was conceived over 60 years ago by legendary manager Stuart Smith and still drives our business today. As part of this philosophy:

    • We provide solutions and alternatives, but each client makes the final decisions about their own financial future.

    • Each financial plan is systematically reviewed to ensure it remains consistent with the client's long-term goals and objectives, and is aligned with our changing world.

    • Each client receives confidential, highly customized, personal service.

    Abundant intellectual capital is one of our greatest strengths. Our firm's resources are managed nationally, but deployed regionally and locally. Because we provide a deep level of expertise and resources, our financial planners receive consistent, high quality functional support that enables them - and ultimately you - to receive the very best thinking our firm has to offer.

    We utilize a team approach - anchored by our highly skilled advisors, who are responsible for managing all pertinent aspects of financial planning. Additional support is obtained, when necessary, from local and national teams that consist of industry experts who have strong technical backgrounds in all areas of financial planning. This business model allows our financial planners a high degree of autonomy so that they can focus solely on assisting clients in helping meet their financial goals.

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    So if you'd like to create, preserve and protect your wealth, the partner of choice is clear: Lincoln Financial Advisors.

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