We are told when we first enter the workforce, SAVE FOR YOUR RETIREMENT!  And that’s very good advice. For most retirees it’s those savings that supplement their Social Security or Pensions in retirement to replace their employment income.

Many of our retired clients find themselves in an unexpected predicament. They have done such a good job of saving that they have more income than they need in retirement. That creates a change of mindset that is like whiplash!  It takes some adjustments and it’s not always easy. 

So here’s the deal—spend some of the money! I know that may sound unusual coming from a financial advisor.

But here’s the catch – you probably don’t need more stuff, and more stuff often does not bring more happiness.  We believe you should spend some of the money on experiences.  With the people you care about.

We think that’s a great investment return.