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What do you do if you need help planning for retirement?

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Planning for retirement can be a daunting task, especially if you are not sure how much money you will need, how to invest it wisely, and how to cope with the emotional and lifestyle changes that come with leaving your career. However, you don't have to figure it all out on your own. There are many resources and professionals that can help you create a realistic and satisfying retirement plan. In this article, we will explore some of the steps you can take to get the help you need and enjoy your golden years.

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Pamela Safadi

Profissional de RH | Orientadora e Mentora de Carreira | Transi??o de Emprego | Orienta??o de Carreira em Grupo
Abhishek Soni

??Senior Associate at PW (PhysicsWallah)?? | 14K+ Family?? | | Ex - CollegeDekho | | Ex - BYJU'S | | Ex - Reliance…
Lissete Beatriz Barrios

Reclutamiento y Selección en Geko/TPP | Procesos de Recursos Humanos

1 Assess your goals and needs

When planning for retirement, it's important to have a clear idea of what you want to achieve and what you need to live comfortably. Depending on your age, health, family situation, hobbies, and values, your goals and needs may vary. Ask yourself questions such as when you want to retire and how long you expect to live, how much income you need to cover expenses and maintain your lifestyle, how you will pay for health care and other unexpected costs, how you will spend your time in retirement, how you will stay connected to family and community, and how you will cope with the loss of identity, purpose, and structure that work provides. To estimate your retirement income and expenses based on current savings, investments, pensions, and Social Security benefits, use online tools such as retirement calculators. You can also consult a financial planner or a retirement coach to help clarify goals and needs and create a realistic budget.

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Pamela Safadi

Profissional de RH | Orientadora e Mentora de Carreira | Transi??o de Emprego | Orienta??o de Carreira em Grupo
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Com leis cada vez mais rígidas quando o assunto é aposentadoria, precisamos pensar sempre em um plano B. Alguns passos para come?ar a planejar a aposentadoria podem ser: definir a idade que irá se aposentar, analisar sua renda, objetivos de carreira e vida pessoal (afinal a aposentadoria n?o siginifca o fim da careira, muitos profissionais usam esse momento para empreender o seu conhecimento), buscar um planejamento financeiro para aprender a investir e n?o depender somente do INSS. S?o algumas a??es que podem ser feitas, porém cada profissional tem suas metas e desafios que precisam ser avaliadas e direcionadas de forma única e personalizada.

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Abhishek Soni

??Senior Associate at PW (PhysicsWallah)?? | 14K+ Family?? | | Ex - CollegeDekho | | Ex - BYJU'S | | Ex - Reliance Jio | ????
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Assessing your goals and needs for retirement planning involves several steps: Evaluate Current Financial Situation: Take stock of your current income, savings, investments, debts, and expenses. Define Retirement Goals: Determine what you want your retirement to look like. Consider factors like desired lifestyle, travel plans, healthcare needs, and any other personal aspirations.

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Ana Luiza F.

Psicóloga Clínica e Corporativa, Psicanalista | Consultório de Psicologia
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Para o planejamento da aposentadoria, é essencial buscar orienta??o especializada para entender suas op??es financeiras e emocionais. Consultar um profissional de consultoria financeira pode oferecer insights sobre investimentos e estratégias de economia. Além disso, considerar apoio psicológico para lidar com as mudan?as de identidade e propósito após a aposentadoria é fundamental. Ter uma abordagem holística e integrada para o planejamento da aposentadoria pode promover uma transi??o mais suave e satisfatória para essa nova fase da vida.

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Vishal Tiwari

Career Counselor & Coach at Professional Pulse
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If you need help planning for retirement, start by assessing your financial situation and setting clear retirement goals. Estimate your retirement needs, review existing accounts, and develop a savings plan. Consider seeking advice from financial professionals, such as advisors or planners, to tailor a strategy that suits your needs. Regularly review and adjust your plan as necessary to stay on track for a secure retirement.

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2 Review your options and strategies

When planning for retirement, it's important to review your options and strategies for saving, investing, and withdrawing your money. This may vary depending on your employer, retirement accounts, tax situation, and risk tolerance. Common questions to ask yourself include how much you can save and contribute to retirement accounts each year, how to allocate assets among different types of investments, and how to reduce taxes and fees on retirement income and withdrawals. Additionally, you should consider when to start collecting Social Security benefits, debt management in retirement, insurance coverage, and estate planning. To compare different scenarios and outcomes for your retirement portfolio, you can use online tools such as investment calculators or consult a financial advisor or retirement planner to create a diversified and tax-efficient plan.

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Abhishek Soni

??Senior Associate at PW (PhysicsWallah)?? | 14K+ Family?? | | Ex - CollegeDekho | | Ex - BYJU'S | | Ex - Reliance Jio | ????
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To review options and strategies for retirement planning, you could: Assess your current financial situation, including income, expenses, assets, and debts. Define your retirement goals and timeline. Research retirement savings vehicles such as 401(k)s, IRAs, and annuities.

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Lissete Beatriz Barrios

Reclutamiento y Selección en Geko/TPP | Procesos de Recursos Humanos
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Considero que primero hay que tener ese objetivo en mente, y luego ver opciones y las estrategias a implementar en el presente para obtener esa jubilación a futuro. Los a?os pasan y cuando te das cuenta ya es momento de jubilarse y si no has hecho nad al respecto... qué tienes de respado? Una cuenta y ahorrar, que te descuenten en el trabajo, un fondo de pensión establecida, ir guardando cierto monto, invertir en algo que sabes que sí genera interesas y otras opciones... Pero recuerda...asegúrate que sí obtengas beneficios

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3 Adjust your plan and behavior

The final step to planning for retirement is to adjust your plan and behavior as your circumstances and goals change. This could include adapting to changes in the market, personal life events, health status, and satisfaction level. To do this, ask yourself questions such as how often you should review and rebalance your retirement portfolio, how to cope with market volatility and inflation in retirement, how to deal with unexpected emergencies such as medical issues or natural disasters, and how to evaluate and improve your happiness and well-being in retirement. Additionally, you can use online tools such as retirement checklists to monitor and update your retirement plan and behavior. If you need further help, you can consult a financial counselor or a retirement mentor.

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Abhishek Soni

??Senior Associate at PW (PhysicsWallah)?? | 14K+ Family?? | | Ex - CollegeDekho | | Ex - BYJU'S | | Ex - Reliance Jio | ????
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If you need help planning your retirement, you can consider seeking advice from a financial advisor who specializes in retirement planning. They can assist you in creating a tailored plan based on your financial goals, current situation, and risk tolerance. Additionally, you might want to explore investment options such as retirement accounts (e.g., 401(k), IRA) and strategies for maximizing your savings. It's essential to regularly review and adjust your plan as needed to ensure you're on track to meet your retirement goals.

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Ana Luiza F.

Psicóloga Clínica e Corporativa, Psicanalista | Consultório de Psicologia
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Para uma transi??o bem-sucedida para a aposentadoria, é crucial ajustar constantemente o plano e o comportamento. Isso envolve revisar regularmente a carteira de investimentos, preparar-se para a volatilidade do mercado e lidar com emergências inesperadas. Além disso, é fundamental avaliar e melhorar continuamente o bem-estar emocional e psicológico durante essa fase de vida. Ferramentas online e a orienta??o de profissionais podem oferecer suporte nesse processo, garantindo uma transi??o tranquila e satisfatória para a aposentadoria.

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4 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

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Abhishek Soni

??Senior Associate at PW (PhysicsWallah)?? | 14K+ Family?? | | Ex - CollegeDekho | | Ex - BYJU'S | | Ex - Reliance Jio | ????
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you need help planning your retirement, you can consider consulting with a financial advisor who specializes in retirement planning. They can assess your current financial situation, discuss your retirement goals, and develop a personalized plan to help you achieve them. Additionally, there are online resources, retirement calculators, and books available to provide guidance and information on retirement planning.

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Ana Luiza F.

Psicóloga Clínica e Corporativa, Psicanalista | Consultório de Psicologia
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Ao planejar a aposentadoria, é crucial considerar n?o apenas os aspectos financeiros, mas também os emocionais. Busque apoio psicológico para lidar com a transi??o, pois a mudan?a de identidade e rotina pode ser desafiadora. Além disso, revise periodicamente seus objetivos e expectativas, adaptando-os conforme necessário. Explore novas atividades que proporcionem sentido e realiza??o pessoal. Cultive relacionamentos sociais e redes de apoio para uma transi??o mais suave. Priorize o autocuidado e o bem-estar emocional durante todo o processo.

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Variddhi Gupta

Head of Career Counselling @ Cambridge Schools | Society For The Advancement Of Education | College and Career Guidance Counsellor | Psychologist | Ex-Careers360
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Once you know your goals and vision for retirement, speak to people who will help you curate a concrete plan so you don't feel uncomfortable at any point during your retirement. For instance, meet financial experts who can help you understand how to use your money effectively post retirement. If you want to continue working but don't exactly know what to do, speak to a career counsellor. Also, speak frankly with your immediate family members about your plans if they have any stakes in them.

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What do you do if you need help planning for retirement?

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4

1 Assess your goals and needs

2 Review your options and strategies

3 Adjust your plan and behavior

4 Here’s what else to consider

Career Counseling

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What do you do if you need help planning for retirement?

1

2

3

4

1 Assess your goals and needs

2 Review your options and strategies

3 Adjust your plan and behavior

4 Here’s what else to consider

Career Counseling

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