New Year, New Goals: Resolutions for Your Retirement Success

Ready to make the most of your retirement this year? Join Certified Retirement Counselor Miguel Gonzalez as he shares practical New Year’s resolutions to improve your finances, health, and happiness in retirement.

Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.

Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.




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Welcome to Cortburg Speaks Retirement Podcast
with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC®

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Transcript

Welcome to Cortburg Speaks Retirement

An audio podcast about investing in the stock market, financial planning, money management and retirement planning.  Each Wednesday, we help investors at all stages of life learn how to potentially grow and preserve their money from first job through retirement.

Now here is your host, Miguel Gonzalez.

Good morning and welcome to the CORTBURG SPEAKS RETIREMENT audio podcast.   

Whether you are just entering your golden years or are already several years in, setting goals to stay on track and maintain your health, happiness, and finances is essential. 

So why not use the New Year's holiday to turn these goals into resolutions you will work on for the upcoming year? Ready to get started tackling some new goals to help improve your mind, body, and finances? 

Let’s discuss a few resolutions worth considering.

Create a Budget

Creating a new budget each year is an excellent idea as it will allow you to review your expenses and income, see areas where you may need to cut back and determine if your current budget is working or is time for a little revamp. If you have not created a budget before, you will need to write down all of your monthly expenses and your monthly income. It may be beneficial to list your monthly costs in order of importance if you need to find places to trim some excess. Ensure to include everything, including the money you put away in monthly savings and money allocated for clothing and entertainment.1

Get Active

Staying active is vital to physical and mental health, but as you age, you may become less active than before. Even if you have physical limitations, you will still be able to find some way to stay physically active. Enjoy daily walks or go swimming when you have the chance. You may also want to consider physical hobbies and sports that interest you, such as golf or tennis. Sports are a great way to stay physically active, get social interaction, and stay mentally sharp.2

Review Your Insurance Policies

Your insurance needs will change over time, so giving them the once-over each year is an excellent practice to make sure you have the coverage you need for each stage of life you are at. Ensure you have enough coverage and the correct coverage so you don't have a significant financial burden after a loss.1

Stimulate Your Mind

A healthy mind leads to a healthy body, and for many, as they age, mental stimulation is less common in their day-to-day life. Consider joining a group such as a book club or gaming club where you will be able to enjoy activities that stimulate your mind and also provide you with social interaction.2

Review Your Estate Plan

Estate planning is an important piece of retirement planning. Without a plan, you may find that your final wishes are not fulfilled or that an undue burden has been placed on your family, who may have to make medical and financial decisions without knowing what you would want. If you don't have one in place, now is the time to have one created. If you currently have one, ensure it still aligns with your current situation and wishes.2

Make sure to visit our website, www.CortburgRetirement.com. Our site is filled with educational videos, eBooks, publications, and financial calculators designed to help you learn more about your finances.  As you search our site, send us a note regarding any questions you may have about any particular investment concepts or products. We will get back to you quickly with a thoughtful answer.

This is Miguel Gonzalez, Certified Retirement Counselor (CRC) and Managing Partner, with Cortburg Retirement Advisors signing off for this week’s educational podcast.