On this podcast, Jay Kirkwood discusses several things that need to be taken into consideration before making the retirement decision.

• Are you mentally ready for retirement, or would you rather continue working? 
• Are you financially ready for retirement? 
• Have you taken into consideration factors such as Medicare, Social Security, taxes and estate planning?
• Are you aware of RMD laws and the potential impact on Medicare premiums and Social Security taxation?
• Do you have a comprehensive retirement plan? Have you considered meeting with a financial professional?

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.clearskiesretirement.com

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