Retirement can be one of the happiest periods of your life if you start early planning. However, most people tend to plan for retirement very late, and on top of that, they make the grave mistake of following their friends and family with their choices. Everyone is different, and so are their retirement goals and lifestyle. The first thing you should stop doing is to follow a friend or a relative in their steps to retirement. What you need is an experienced and skilled expert to help you out with retirement planning and the knowledge of the taxes associated with them.
Robert Nico Martinelli– helping others lead a comfortable and stress-free retirement life
Robert Nico Martinelli is a leading name in retirement tax planning in the USA. He is widely respected for his in-depth knowledge of retirement planning strategies for people of all ages. According to him, it is prudent to consult a skilled expert in the field to get the best advice and knowledge regarding retirement planning and the payment of taxes associated with it. On top of this, it is essential for you to ensure your lifestyle is maintained and you have sufficient funds for a stress-free life.
A good professional will help you examine your portfolio and offer you customized solutions. This is something that your friends and family cannot do unless they are professionally skilled in the field themselves. Therefore, if you have not started retirement planning yet, consult a professional expert and allow them to guide you on the path.
Remember some facts
The average American spends about 20 years in retirement. This means you need to calculate how much you have to save for that period in your life. Now, if you have already started to save every month, make sure you keep going.
If you have not started to save, do not worry. You can even start small and increase the percentage of savings every month. It is never too late or early to begin. Just save as this will help you attain your retirement goals faster.
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Retirement can be expensive
Note retirement is expensive, and there are taxes to be paid. Experts think you need 70 to 80% of your pre-retirement income to sustain yourself comfortably. This means it is time for you to take charge of your finances in the future. The trick to attaining this is to plan. If your employer gives you a plan for retirement savings, sign up and contribute as much as you can. Your taxes will be reduced, your company will also contribute more, and it becomes easier with automatic deductions.
According to Robert Nico Martinelli, with time, tax deferrals and compound interest will make a massive difference in the sum you will collect in the future. For this, know the details of the plan well. This will give you an insight into how much you need to stay in this plan to get the money.
