Time to Catch Up

<p>Everyone retires eventually but not everyone is financially prepared for retirement.</p><p>In fact research shows that more than two-thirds of Americans of working age do not participate in an employer-sponsored retirement plan.</p><p>You may think that you can rely on Social Security but it was never intended to replace preretirement income. It is only supposed to provide for basic living expenses.</p><p>Jack Sutherland who spent more than forty years as a commercial banker before retiring outlines the challenges of saving for retirement and shares a “you-centered” retirement model that demonstrates the interrelationship of seven key strategies.</p><p>One of the most dangerous actions you can take he says is to delegate all your personal financial planning to a financial adviser a certified public accountant an attorney or any other trusted adviser. After all your goals aspirations and dreams form the foundation of <em>your</em> plan—not someone else’s.</p><p>If you have been trapped by inaction because of worries about family career or aging parents stop making excuses. Set financial goals and take steps to achieve them with the insights and strategies in <em>Time to Catch Up.</em></p>