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Robert A. Imparato, Jr CFP®
CERTIFIED FINANCIAL PLANNER™ professional
Craig A. Hyldahl CFP®
CERTIFIED FINANCIAL PLANNER™ professional
R.I.C.H. Planning Group, LLC
105 Fieldcrest Avenue, Suite #507
Edison, NJ 08837
Robert: 732-326-5240
Craig: 732-326-5240
Fax: 732-326-5331
Robert: robert@richplanninggroup.com
Craig: craig@richplanninggroup.com
Website: www.richplanninggroup.com
Not that anyone should stay awake nights worrying about their retirement security, but overconfidence in the assets you project you’ll have for retirement can be your disadvantage. A 2023 study from the Center for Retirement Research at Boston College examined households’ self-assessed retirement preparedness and how it can influence retirement saving habits. The study used households in the National Retirement Risk Index.
Discounting the Importance of Both Spouses Saving— If you and your spouse are employed and want to continue your standard of living into retirement, you’ll have to replace both incomes. Even if one of you works part-time, both of you need to participate in a retirement plan—either at work, if eligible, or with a traditional IRA. This factor is most prevalent among high-income households. With the start of the new year, it may be a good time to contact your financial professional to review your retirement planning for overconfidence or retirement investment opportunities you may be missing.
GE 5994912.1 (10/23) (10/25)
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Securities offered through Equitable Advisors, LLC (NY,NY (212) 314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC-registered investment advisor. Annuity and insurance products offered through Equitable Network, LLC, which conducts business in California as Equitable Network Insurance Agency of California, LLC; in Utah as Equitable Network Insurance Agency of Utah, LLC; and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and Equitable Network are affiliated companies and do not provide tax or legal advice.
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GE-4833845.1 (7/22)(Exp. 7/24)
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