Cost and risk will continue to shift to new retirees. This will increase the demand for sound objective advice. Not all financial advisers are the same. John Balcerzak CFP will explain the difference of advisers who have fiduciary responsibility and those who don’t and the things you need to be aware of. He will also walk through his approach to working with clients. Guarantees in retirement are nice but hard to find. There are concerns on the viability of Social Security and Medicare and now corporate and municipal pension. With the shift of cost and risk, new retirees will search for some form of predictability and guarantees. Insurance companies may be the last stand of stability. Annuities and life insurance can make sense for some retirees. Unfortunately, these products are sometimes sold with a conflict-of-interest on the part of the salesperson. Tom Hegna author of Paychecks and Playchecks: Retirement Solutions for Life explains how these products work, when to use them and what questions to ask before you buy. Listen to see how these can be of help to you.

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