How to Play 'Retirement Catch-Up' If You Had a Late Start

You've celebrated your 40th birthday (or better).

Now that you're older and wiser, you decide to start learning about retirement planning. You assume you still have plenty of time. After all, retirement is more than a decade away.

You start reading about retirement planning -- and your stomach churns. Every article and book says that you were supposed to start saving in your 20s. Oops. It's too late for that. You're firmly in the middle of life, and your retirement savings are meager.

How can you catch up, if you've had a late start? Here are a few tips.

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Five Things To Do Within Five Years Of Retirement

It’s easy to imagine your first day of retirement.

You won’t need to set your alarm clock the night before, since you can get up any time you’d like. You can enjoy your breakfast at a leisurely pace, since you don’t have to rush out the door.

Doesn’t that sound wonderful?

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Damian J. Sylvia

Retirement Income Solutions

220 Monmouth Road

Oakhurst, NJ 07755

4 mistakes that could ruin your retirement

Considering the stock market's wild swings over the last two weeks, some investors may be a bit queasy. Those who are newly retired or near retirement may be tempted to cash out of stocks or adjust their portfolio so that it is mostly invested in bonds. That could be a big mistake.

That's one of a few mistakes that can derail your retirement plans.

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Damian J. Sylvia

Retirement Income Solutions

220 Monmouth Road

Oakhurst, NJ 07755