Market timing seldom works, so how do we prepare for what’s next? This has been the worst year for bonds since the 1940s. Are there other options? Are you ready to retire? Is your money ready? 5 Questions to ask to check your retirement readiness.

You’ve probably spent your career in something other than financial services and you probably have a lot of questions about how your retirement will work. Bring ALL your questions. The idea is for you to walk into retirement with confidence.

Can your portfolio sustain the possibility of slower market growth over the next 10 years? Is there a better option? How much cash should you have on the sidelines? Four couples saved a lot of retirement, but only one couple felt confident. What did they have that the others didn’t? After “Will I run out of money?”, what is the next biggest concern of those approaching retirement? What is tax loss harvesting? How your employer may be more open to a phased retirement.

There is a difference between short-term money moves and a long-term strategy for risk. Are you ready for whatever comes our way in 2023?

Mom said, “Don’t put all your eggs in one basket.” How many different stocks, bonds, and Mutual Funds do we need to truly be diversified?

There are so many different kinds of financial professionals. Where does Rubino and Liang fit in and what is our specialty? Some say we are in a recession; some say it’s coming next year; some say we are moving out of it and headed for a great 2023. Who should you believe? How often should you expect to meet with your financial advisor? How many holdings should you have to be truly diversified?

10 years ago, your employer may have wanted to get rid of the high-salary, 60-year-old worker. Today that is changing. The idea of phased retirement is much more accepted. How can you work this to your advantage?

How do you figure out your needs and the paycheck to cover those needs in retirement? The traditional Roth vs the Roth 401(k). After “Will I run out of money?”, what is the next biggest concern of those approaching retirement? What is tax loss harvesting? How your employer may be more open to a phased retirement.

Getting a call from the IRS for an audit is never a good thing. Sam has the story of why we all need to have a tax strategy as we get into retirement.