Rich Ramassini | Source | Director of Strategy and Sales Performance at PNC Bank

“Retirement is a dynamic phase of someone’s life,” says Rich Ramassini, a certified financial planner and chief sales and strategy officer for PNC Investments. An individual’s expenses can fluctuate depending on someone’s interests or health at any given time.

You can have a conversation with a professional or just sit down with a piece of paper and a pen. It’s the actual planning that brings clarity and understanding, not the 60-page document that is immediately obsolete.