With the recent increases in inflation and interest rates, many workers with 20 years, 10 years and 5 years remaining to work before they retire, can’t retire. These workers have not saved enough money to retire, because they had no money to save. Expenses exceeded their income every paycheck and they live check to check. Why? DEBT!! The amount owed in totality and montly debt payments drains their money every month and savings is not in their vocabulary. Therefore, they have no ability to save for retirement and and they will face difficulty living comfortably in retirement.

Retirement Planning Coaching involves understanding the client’s financial situation and expectations about living in retirement, to develop a realistic set of goals around which a financial plan can be constructed, implemented and monitored over time.

SOS Retirement Planning Coaching Program helps clients achieve the following outcomes:

• Improved financial management -Organize your personal financial management/money to identify more disposable income to create/increase your emergency fund, long-term, retirement savings, and pleasure and leisure funds as part of your Budget and Spending Plan.

• Simplfied Retirement Financial Plan-Optimize your money, pay off debt quickly and reallocate funds to maximize monthly 401(k) and Individual Retirement Account contributions and create Brokerage Investments to increase your net worth and RETIRE WITH MONEY.

• Retirement Exit Plan-Create a Retirement Exit Strategy Plan to ensure that you retire on time financially secure to sustain your lifestyle for the rest of your life.