Financial Services Associates

The solvency of Social Security and Medicare 
A decline in income upon leaving the work force 
Uncertainity about outliving their income and resources 
Uncertainity of medical/health care issues 
Loss of a spouse/child/or loved one 
Heavy reliance on Fixed Income 
New financial decisions 
Greater susceptibility to fraud 
Special tax laws for seniors 
High health care expenses (Home health care, 
Assisted living,alternate care, or nursing home care 

Changing asset allocation strategy abruptly 
Not setting and monitoring financial goals 
Ignoring the effects of inflation 
Relying too much on others 
Failure to have a financial or estate plan 
Taking inappropriate investment risks 
Not considering taxes when investing 
Failure to review insurance plans 
Delayed use of the capital gains exemption 
Shortchanging oneself to leave an inheritance 
Not discussing financial issues with loved ones 
Not following IRS rules on retirement plan withdrawals

Go for growth based on your risk tolerence 
Consider CD alternatives 
Develop an "investor`s mindset" 
Increase your financial knowledge 
Look at longevity concerns 
Stagger or ladder maturity dates on savings or investments 
Reduce taxable income 
Reduce capital gains 
Double check minimum distribution requirements on IRAs 
Make tax adjustments 
Make health care decisions - home health care, 
assisted living, alternate care or nursing home care 
decisions 
Maintain good record keeping 
Review pension distribution options 
Explore all options 
Set new financial goals 
Plan around Social Security Earning limits 
Review your estate documents 
Stay Informed 
Know where to call for help