Dale Farland

Feb 25 2015

8 Questions to Ask While Planning Your Retirement Journey


Planning Your Retirement Journey.
This is the second in a 3-part series on planning your retirement journey.

You have worked hard for your retirement and you have years and years ahead of you. Now you are in the distribution stage of life. Will your money last you during this journey? What are your goals and is your investment plan in tune with them? Your Investment and Financial Advisor will guide you through these questions.

Key points you should remember and understand regarding your investments:

  1. Have your goals been discussed and matched to the appropriate investment objective?
  2. Do you know and understand exactly how your investments are oriented and impacted by risk and return?
  3. Do the investments work in harmony to meet your goals and with other accounts
  4. Do you understand tax implications for withdrawals?
  5. Is the asset allocation (the percentage invested in stock-oriented and bond-oriented investments) appropriate for your goals?
  6. What is the investment process utilized to determine the appropriate investments for you?
  7. What is the depth of experience of both your advisor and the team with which they work? Do they have the background and/or support from others to provide comprehensive financial advice?
  8. Do you know how your investment advisor is compensated? Are they salaried? Are they compensated on a commission or transaction basis?

Please visit our blog, HillsHelps.com, next Wednesday for the final post of our 3-part series on planning your retirement journey.

Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.

View the complete 3-Part Retirement Planning Series:

Dale Farland

About Dale Farland

Dale Farland is Vice President, Trust Officer at Hills Bank’s North Liberty Forevergreen Road location. She has been at Hills Bank since 2011 helping customers with wealth management and financial planning. Dale is a graduate of Michigan State University. She earned her MBA from the University of Michigan with a concentration in Finance. Dale is a Certified Trust and Financial Advisor (CTFA) and Accredited Estate Planner (AEP®). Dale can be reached at dale_farland@hillsbank.com.


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