8 Life Changing Tips From Retirees About Retirement Planning

[@PracticalWisdom]

📈Book Your FREE Financial Consultation (With a Licensed Financial Advisor): moneypickle.com/practicalwisdom

[@Adam-dm8wg]

People are facing a tough retirement. and it's even harder for workers to save due to low-paying jobs, inflation, and high rents. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire in.

[@SergioRomano-nj8eb]

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether l'll have sufficient funds for retirement.

[@NicholasSebastin]

It's recommended to save at least 20% of your income in a 401k.Joseph Nick CAhill taught me to estimate how much you should save based on your age and income. I've been with him for years now and his decades of experience in the markets translate to chunks of value in so many ways! He has upscaled my portfolio and even got me reading self help books haha

[@FedrickWhite-jo2ed]

Impressive! How can I contact this advisor? My portfolio has underperformed, and I need guidance.

[@NicholasSebastin]

Google his full name👇🏻

[@NicholasSebastin]

JOSEPH NICK CAHILL

[@NicholasBall130]

So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?

[@LiaStrings]

In my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a financial advisor

[@StacieBMui]

Agreed, the role of advisors an only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)

[@cowell621]

Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.

[@StacieBMui]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sonya Lee Mitchell’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@grego6278]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@Casey-summer]

Many folks struggling to cover basic expenses often face this challenge because they didn't save enough during their working years. The choices made in preparing for retirement have significant impacts, as seen in my own family. Different investment strategies led to different outcomes. With guidance from a financial advisor, I'm now enjoying my retirement.

[@Gallo-firestone]

Yes, I'm in my mid-50s, and a few years back, I moved my investments to my wife's wealth manager. While I haven't caught up to her long-term gains, my current earnings and the growth of my retirement fund, compared to just relying on the 401(k), are pretty satisfying.

[@mellon-wrigley3]

It's a shame that many don't have this information, leading to anxiety. For me, I've made over $35k effortlessly with an advisor, consistently getting returns despite economic changes - the best part is, it doesn't demand much effort.

[@louie-rose7]

​ *@heathermellon7826* Can you direct me on reaching your advisor? I'm looking for a more profitable investment strategy to counter inflation and make the most of my funds.

[@mellon-wrigley3]

Gertrude Margaret Quinto is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@louie-rose7]

I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.

[@BrigetGstar]

This is my fifth year after retirement. I’ve been following the 4% rule thing I saw on a KZbin channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get worried.

[@Sophie-k6c]

Amazingly, you were able to save that much during your active years. Not a lot of people can save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital, so you are not left devastated during a market crash or recovery. To simplify the process, you could allocate your resources with the help of a financial advisor.

[@NoahNollens]

Hey, this caught my interest. I worry that I have a couple more months before retirement, and I want to switch to using a financial advisor, but I don’t know how to find one.

[@NoahNollens]

I simply Googled her name and her website came up right away. So far, it appears interesting. I emailed her, and I hope she responds soon. Thanks

[@Riggsnic_co]

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

[@kevinmarten]

Consider buying stocks when the economy is not doing well, like during a recession. It could be a chance to buy them at a lower price and sell later when prices go up. Just keep in mind, this isn't financial advice, but sometimes it's better than keeping a lot of cash.

[@martingiavarini]

Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.

[@Jamessmith-12]

Mind if I ask you to recommend this particular coach you using their service?

[@martingiavarini]

Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@Jamessmith-12]

She appears to be well-educated and well-read. I just ran a Google search for her name and came across her website; thank you for sharing.

[@johnben9]

Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k.

[@monicawill5]

This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.

[@emiliabucks33]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through a brokerage adviser, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@Johnlarry12]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with

[@suzannehenderson5]

Firms can be unscrupulous as they prioritize their own commission over your profitability. On the other hand, I prefer working with individual investors like “Natalie Lynn Fisk, who only take a share from your profits, not your capital. I must say, my experience with her has been exceptional thus far.

[@DaleHorne8]

please how can one find the lady you mentioned'?

[@FlorentGulliver]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for

[@EleanorMabel]

I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

[@FlorentGulliver]

@@EleanorMabel That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

[@EleanorMabel]

You can look her up online

[@FernandoBowen-78]

@@EleanorMabel The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?

[@FlorentGulliver]

@@EleanorMabel I will give this a look, thanks a bunch for sharing.

[@BlaiseOnowhosa]

I think it's especially difficult for retirees and near retirees, I know how to focus on the long term but the anxiety when you're supposed to be retiring in 3years is super exhausting, I've been looking into hiring a market expert as well.

[@FavourWilliams-fb2cr]

Totally, my holdings were down a lot and I sold at a loss majority of the time, which prompted me seek the service of a coach I found-featured on Bloomberg, she hatched an adjustable system that aligned with my retirement plan and overall goals, it's been less than 2years and I've gained over $830K.

[@BlaiseOnowhosa]

I've been in the red for the past couple months, lost 12k last week alone, Indubitably I've got good companies but profit is still stalling, how did you go around finding an expert? I wouldn't mind looking yours up.

[@FavourWilliams-fb2cr]

The expert I'm working with is actually quite known, so it was much easier for me to reach out, I'm in touch with Lisa Ann Moberly. She has a web presence, so you can simply just search for her.

[@BlaiseOnowhosa]

Well, I curiously researched Lisa Ann Moberly, went through her web-site and her qualifications are pretty tight tbh and she seems to be in the right position to assist especially now the Fed GDP tracker shows the economy is on a brink of recession.

[@eminentcasper2034]

The truth is that everybody wants to be financially independent and live a better life. With savvy investing, an inexpensive lifestyle, and diligent budgeting, this is not difficult to do. I'm glad I realized early on that achieving financial freedom requires hard work.

[@GrahamCan]

Investment is a fabulous way to save money for the future as well as a way to generate passive income. Those who make poor mistakes early in life regret them later in life. But, if done alone, investing may be challenging and risky. For this reason, I suggest consulting experts for advice (financial advisors). The difficulty lies in effectively employing it, not just watching videos and reading investing books.

[@mykreid]

I've been down a ton, I only hold so that I can recoup, I really need help, who is this investment-adviser that guides you

[@GrahamCan]

Sure, my advisor is Olivia Maria Lucas. In terms of portfolio diversity, she's a genius. You can look her name up on the internet and verify her yourself. She has years of financial market experience plus she is also FINRA & SEC verifiable.

[@cyrilmilton]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling an appointment with her. She seems proficient considering her resume.

[@suziehovic]

Olivia Maria Lucas really seem to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her

[@Tom-wn2qf]

I find it funny when people drop invester names in the comment sections. I pray people dont fall for these scams. Please never give money to someone over the phone or online. Always meet with a financial advisor in person.

[@GhanYt]

Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.

[@bahijarhafiri]

The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.

[@bahijarhafiri]

impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

[@bahijarhafiri]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@AdamLevcross]

An advise my ex colleague gave me before he retired was tha beginning saving aggressively in your 20s and 30s , compound interest is a powerful force. That stuck with me till today

[@tahirisaid2693]

I’ve been diligently working, saving and contributing towards early retirement and financial freedom, but since covid outbreak, the economy so far has caused my portfolio to underperform, do I keep contributing to my 401k or look at alternative sectors to meet my goals?

[@Lemariecooper]

Agreed, having a good financial advisor is invaluable, my portfolio is well-matched for every season of the market and has just yielded 120% from early last year. I and my advisor are working on a 7 figure ballpark goal, tho this could take another year.

[@KentBrono]

mind sharing info of this person guiding you please? truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a reputable advisor

[@Lemariecooper]

Her name is. 'NICOLE ANASTASIA PLUMLEE’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@KentBrono]

I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@BEAUTIFULDIANAFRANCIS]

The key to retirement is to Retire, and live a lifestyle that is conditional on your funds but you will need good financial planning.

[@OliverTilney]

52:10 Strong BUY. Still early innings. NVIDIA is the dominant leader in AI and the preferred technology partner globally. Even w new competition on the horizon, NVIDIA is far ahead of the competition. 85% market share. 76% margin. Unrivaled demand for new Blackwell chip. Demand far exceeds production for Blackwell through to 2025 and beyond. No competitor has anything close to Blackwell. And forward P/E is about 33 (cheap for a high growth stock). Buy this stock and wait. You will be rewarded

[@RiggiosMiners]

@OliverTilney I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...

[@OliverTilney]

When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health (AMD) alongside coins, and gold. I'm also working on an investment plan with my CFA that includes AI looking into Nvidia, MSFT, Alphabet stocks among others. I've been utilizing a CFA for more than 4 years and I've made over $000,000.

[@RiggiosMiners]

That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the names of the advisors who has been assisting you in navigating these financial challenges?

[@OliverTilney]

*CATHERINE DIANE PELICAN*

[@BoninBrighton]

My top tips 1. Envisioned lifestyle- it’s not possible to imagine as retirement goes through different stages: go-go slow-go and no-go 2. Saving: pay yourself first before you pay everyone else! Practise living on your future retirement income for 12 mths and save the difference.

[@iuordanmatkov261]

Recently, I've been pondering retirement. I've also invested $800K on S&P 500 so i could secure my financial future. i need an approach to invest in Stocks like Nvidia stocks and ofcourse AI stocks that will align with my risk tolerance and financial goals but it seem to be bearish right now.

[@McKnightCutkosky]

While the market is promising, expert guidance is essential for effective portfolio management.

[@GeorgeWilliamSinclair]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@RosadorcasSladeWiggins]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@GeorgeWilliamSinclair]

Her name is "Dianne Sarah Olson" just research the name. you'd find necessary details to work with a correspondence to set up an appointment.

[@adelineChulack]

she appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@VargasasWhites]

52:10 Strong BUY. Still early innings. NVIDIA is the dominant leader in AI and the preferred technology partner globally. Even w new competition on the horizon, NVIDIA is far ahead of the competition. 85% market share. 76% margin. Unrivaled demand for new Blackwell chip. Demand far exceeds production for Blackwell through to 2025 and beyond. No competitor has anything close to Blackwell. And forward P/E is about 33 (cheap for a high growth stock). Buy this stock and wait. You will be rewarded

[@AlexandersRodrigueza]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...

[@VargasasWhites]

When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health (AMD) alongside coins, and gold. I'm also working on an investment plan with my CFA that includes AI looking into Nvidia, MSFT, Alphabet stocks among others. I've been utilizing a CFA for more than 4 years and I've made over $000,000.

[@AlexandersRodrigueza]

@@VargasasWhites That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the names of the advisors who has been assisting you in navigating these financial challenges?

[@VargasasWhites]

*CATHERINE DIANE PELICAN*

[@VargasasWhites]

*LOOK HER UP ONLINE*

[@Lemariecooper]

I plan to retire or reduce my work hours in five years, and I'm interested in how others allocate their income between savings, spending, and investments. I currently earn about $175K annually but haven't built up much in savings so far.

[@jessicasquire]

There are numerous strategies to achieve high yields during a financial crisis, but it is crucial to undertake such trades with the guidance and supervision of a professional financial advisor to ensure informed decision-making and risk management.

[@Erikkurilla01]

That's true. I've been assisted by a financial advisor for almost a year now. I started with less than $200K, and I'm just $19,000 short of half a million in profit.

[@Erikkurilla01]

Nicole Anastasia Plumlee is the coach that guides, you probably might've come across her before I found her through a Newsweek report, she's quite known in her field, look-her up.

[@BestoFornitero]

Thank you for your videos mate.. . Crypto education is what the world needs the most right now. I don’t think that buy and hold is a valid investment strategy anymore. Not too diluted and to a degree, follows Evelyn’s trading ideas and signal tips for your portfolio growth and aggressiveness. She is a woman who has not only taught me what the cryptocurrency trading world looks like but a secret to uplift my finance. Buying crypto and waiting for the price to shoot up is not the best way to invest in the market but buying and trading is. Evelyn Infurna’s trade signaIs does the heavy lifting, generating competitive returns for crypto traders and investors in the form of money and peace of mind. Time in the market vs. timing the market. If you keep that mentality as an investor, you will stay calm during the storm! Within some months I was making a lot more money and have continued on that same path...

[@BestoFornitero]

Use her name to quickly conduct an internet search.

[@BestoFornitero]

SHE’S MOSTLY ON TELEGRAMS APPS WITH HER NAME

[@BestoFornitero]

Infurnaevely1 she’s verified

[@JacksonLeoWtah-b2i]

The key to financial stability is having the right investment suggestions for a diverse portfolio. Many investment failures and losses happen when you invest without proper guidance.

[@anggaerlangga-uo6wl]

The fact that i got to learn and earn from her program is everything to me think about it, it's a win win for both ways.

[@RolandRichard-x1s]

This video offers invaluable insights into retirement planning! Learning from retirees' experiences can help us make informed decisions for our own future. Thanks for sharing these life-changing tips!

[@MariaHunt-u9z]

Invaluable insights! Learning from retirees' experiences offers essential guidance for retirement planning. Thanks for sharing these life-changing tips

[@srconrad]

You’re missing a crucial word in Tip 5. It should be “Don’t retire too early.” Believe me, early retirement is a great thing assuming you have enough money to support your goals in retirement. Don’t work longer than you have to.

[@Jbertrand1977]

Great video, but the music of jingle bells in the background was a little distracting to me cuz it’s only May 😂

[@GoldenAgeCreator]

The key to retirement is to Retire, and live a lifestyle that is conducement with your funds.

[@viewfromthehighchairr]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.

[@SkepticalMechanic-l9x]

Well the bigger the risk, the bigger the reward and such impeccable decisions are better guided by professionals

[@Too-old-Forthischet]

Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@viewfromthehighchairr]

Pls who is this coach that guides you? I’m in dire need of one

[@Too-old-Forthischet]

My consultant is Nicole Desiree Simon She has since provide entry and exit points on the securities I focus on. You can look her up online if you care for supervision.

[@viewfromthehighchairr]

I Found her online page by searching her full name, I wrote her an email and scheduled a call, hopefully she responds soon. Thanks

[@Bigwilli123]

I was chatting with a friend in his 80s, and he said, ‘Plan for more than just the next decade, plan for peace of mind.’ He’s seen too many folks outlive their savings

[@colin7096]

Best advice (same I gave my kids) is to start paying into a pension plan asap, and by that I mean in your early 20s if youre able. I never invested in stocks and shares and all that malarkey, just my pension, and that was literally from 20yrs old, and I think I will be ok. Btw, I find it weird that theres some English guy narrating this video but its all about how Americans should prepare for retiring 😂

[@nala3038]

The biggest key to a great retirement is to start planning for your retirement when you are in your early 20's. I started my retirement at 24, with plans on retiring at 57, had children late in life so I had to postpone my retirement until I was 60. The easiest route is to start with depositing between 100-200 each month in your 401K or IRA, then each and every pay increase after you deposit 25% of the raise into the account.

[@MarcelinaMakowski]

How much income will 100k generate? anybody with investment experience .

[@RiggiosMiners]

A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@MarcelinaMakowski]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...

[@RiggiosMiners]

Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I currently have 75% SCHD and 25% ROTH IRA. Brokerage account is 40% VOO, 35% SCHD, 25% XLK. Combine balance ~$3.3m Less than 3 years until retirement.... I have about 400k in cash. My portfolio has yielded far more than I expected for my retirement. Kudos to my advisor. I could leave you a lead if you need help...

[@MarcelinaMakowski]

@@RiggiosMiners Oh please I’d love that. Thanks!

[@RiggiosMiners]

*CATHERINE DIANE PELICAN*

[@aladinb1766]

this was really amazing video it was useful i got new information about it i like your content and thanks for sharing this with us .

[@marilynsue4273]

59-1/2

[@Fegga1955]

Perfect

[@thinkfloyd2594]

These are ridiculous - "start saving" is a tip? ANYONE who is considering retiring has been saving for decades.

[@RetirementChallenges]

I agree 👍

[@mindcache5650]

There is absolutely no way that you need 70%-90% of your previous salary. That’s completely false. 1. Tax . If you have a gross salary then you’ll be hit by at least 20% 50% income tax leaving a disposable income to pay debts, mortgages, school fees, commuting, . Those costs will be eradicated in retirement. Therefore a salary of USD will be $70,000 less debt costs .

[@igaluitchannel6644]

I thought this would be an original sort of video.

[@thebrain625]

Don't retire early? That is specific to an individual. Don't tell people not to do that.

[@fictitiousnightmares]

"Don't retire early" is NOT wisdom from retired people. The majority of people say they regret not retiring earlier. Also almost all of this is about finances and there is much more to retirement than finances.

[@tahirisaid2693]

Trying to build your income and prepare for retirement? It’s important to choose stocks that are expected to hold up in inflationary environments. To combat the negative effect of inflation, it’s a good idea to diversify your portfolio across different asset classes, such as stocks, bonds, and real estate, since this can help protect your portfolio against inflation. I have seen People making up to $500k in a month during high inflation. You too can do same.

[@sharadvishwas1671]

It's ok Good points discuss in this cartoon videos aftetall there is enjoyment of life did not ends after Retirement. Only money matters discuss, Hospitalazation etc it seems to be boring.

[@nicolasbenson009]

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

[@sharonwinson-m8g]

Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!

[@Vincent-j8u]

That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!

[@TinaJames222]

Mind if I ask you to recommend this particular coach you using their service?

[@Vincent-j8u]

Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@JacobsErick-u8r]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@JacobReynolds-t7v]

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement.

[@MarcoWanner-h8j]

You got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell them later when they go up. Just do your homework and be aware of the risks before diving in!

[@FostersCapones]

@@MarcoWanner-h8j I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past seven years, she has helped me find stocks that have performed 10x multiple times. With her help, I've grown my portfolio to over a million dollars.

[@JacobReynolds-t7v]

@@FostersCapones Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

[@FostersCapones]

@@JacobReynolds-t7v There are many independent advisors to choose from. But I work with MARGARET MOLLI ALVEY and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.

[@JacobReynolds-t7v]

@@FostersCapones Thank you so much for your helpful tip! I was able to verify the person. She seems very proficient and I'm grateful for your guidance.