You have always first and foremost had an income plan. When you set your alarm so that you get up to show up for work, put in your time and sweat equity to perform your tasks, and trade that time for money, that is your income plan. You plan to repeat that routine overtime to earn a living, manage your bills, and to support your ability to save for retirement. That is an income plan! The INCOME PLAN is what supports your lifestyle and your investment plan. The stability and predictability of the income you generate is what allows you to feel comfortable investing a portion of your money into accounts intended for years into the future during retirement. The income plan is what allows you to weather down market cycles without dramatic impacts to your lifestyle. The income plan is what provides you the means to have an investment plan at all. In both your working career and in retirement, you live on your income, not your assets, but the income plan is what you leave behind when you retire! You have to recreate it with assets! For more information contact Tim Stearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Protect and Grow", Tim Stearns, CFP® identifies the three largest expenses in retirement that can drain your wallet, fry your nest egg, and derail your financial goals. Tim shares insights on how to minimize these expenses and take control of your retirement finances. To connect with Tim and learn more about his financial planning services, you can contact him directly at (800) 640-2256 or visit his website at https://www.tjstearns.com/. With Tim Stearns, CFP® guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

Tune in as Tim Stearns, CFP® discusses "5 Planning Mistakes To Avoid" with information on how to avoid them including how important it is to have a "GRIP" on your retirement, inappropriate and appropriate risks to take, and using social security. For more information, contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/

Tune in to learn about Tim Stearns, CFP® new book "Solving The Retirement Riddle". To get your copy contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

Tune in to learn about Tim Stearns, CFP® new book "Solving The Retirement Riddle". To get your copy contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

In this edition of "Protect and Grow: Chicagoland Retirement" Tim Stearns, CFP® discusses "7 Financial Myths" that your retirement future may depend on. How reliable these assumptions are may determine the reliability of your retirement confidence and quality of life. "The Market Always Goes Up", "Taxes Will Go Down", "The Market Generates A Consistent Rate of Return": Is your financial future based on these widely held assumptions? How reliable are these beliefs? Are you betting your retirement on misconceptions or myths? Tim Stearns, CFP® examines and explains in this edition of Protect and Grow. We hope you enjoy. Contact Tim Stearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

We will discuss the news of the pending #SocialSecurityCuts and funding shortfall, the timing of claiming and collecting your benefits, #SocialSecurityTaxes, #SocialSecurityPenalties, survivorship benefits, making good decisions to optimize your benefits, how to include #SocialSecurity as an effective part of your retirement plan, and concerns about the solvency of the Social Security system and potential options for solutions. For information on how to #Protect&Grow contact @Tim Stearns, CFP® at (800) 640-2256 and visit https://www.tjstearns.com/.

While in your day-to-day pre-retirement life you may have a vacation here and there, a house payment, and maybe even some debt you take on, whether it is school, car, credit card, or a mortgage. One thing that may put your mind at ease is income and the paycheck that you work 40+ hours a week for continuing to provide financial and lifestyle security. What if that check went away? What if for the rest of your life, you wouldn't earn that check ever again? How would you continue to live a lifestyle you enjoy? This is why #YourGamePlanForRetirement is important, it is what's going to help you move your offense, secure your defense, and design your playbook. For information about Your Game Plan For Retirement contact Tim Stearns, CFP® at (800) 640-2256 and visit https://www.tjstearns.com/.

#FinancialFreedom is a big question for those still working and punching the time clock. There are many considerations that come into play to truly #RetireWell. Whether you are on your way or ready for retirement, contact Tim Stearns, CFP® at TJStearns Inc. to plan your #Retirementjourney and achieve your #retirementgoals. Call (800) 640-2256 and visit https://www.tjstearns.com/.