Michelle Patello | Source | Wealth Management Advisor - Fort Collins at TIAA
Michelle Patello
Michelle is a Wealth Management Advisor at TIAA with 20 years of financial services experience. She earned a Bachelor of Science in Business Management from the University of Illinois at Chicago and graduated with distinction. Michelle also holds FINRA Series 7 and 66 registrations in addition to maintaining licenses in life, long term care, accident and health insurance and variable products in all appropriate jurisdictions. She also conducts seminars for Women-to-Women in financial education and planning through TIAA’s institutional clients.
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TIAA
Wealth Management Advisor - Fort Collins
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Make Longevity Risk Part of Your Retirement Plan
Very few people underestimate their life expectancy.
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Want To Retire This Year? 6 Tasks To Complete
If you’re planning to retire by the end of this year, then you should start planning now.
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Out of Money in Retirement
While many people look forward to the day they can retire, a good portion of Americans is also concerned about what their finances will look like in their golden years. A recent GOBankingRates survey found that 66% of Americans are worried that they’ll run out of money in retirement, making this their No. 1 financial fear about this phase of life.
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“The key to building retirement savings that will support you over time and through the ups and downs of market fluctuations or other life challenges is to save early and adequately. Pay yourself first’ by setting up automatic investments for your 401(k) [or other retirement savings plan] and then build your lifestyle around your remaining available income.”
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"When evaluating your retirement readiness, it’s important to consider every facet of the retirement-savings puzzle. How will you replace your paycheck when you’re no longer working? How will you determine what accounts you will draw from and when? How will you manage your taxes? How will you know if your savings can withstand the test of time and unforeseen life circumstances?”
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“Women often leave the workforce to care for children or even elderly parents. This break in employment often prevents them from saving consistently throughout their careers, and much of their lost earnings and savings will never be recovered.”