By David S. Edge

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No “Best”… Only what’s “Most Appropriate!” Many of our clients ask “What’s Best”? It doesn’t matter what they are seeking answers to Medicare, financial retirement advice, POAs, DORs, etc. The thing most folks don’t realize is that there is no best!

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The answer is what’s most appropriate for you!

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Everyone has different financial goals, just like they have different medical conditions, so there is no ‘one size fits all’. That’s what’s great about America, our freedom to choose.

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But an experienced planning pro looks at the myriad of choices as a buffet or smorgasbord of selections where we get to pick what we want to accomplish for your individual goals. That goal is usually “what’s best for you”.
A great planner will assist you with the choices by reviewing your personal needs, not just “how much money do you have”. What you have, is not where the conversation should start. Reviewing what you need, and where you need to be in order to reach your retirement goals, should be the main course of the conversation. An inventory of what you have is down the list of what’s important.

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The discussion should center on who are your dependents? Does the planner need to take into consideration that you take care of an elderly parent or disabled adult child? What would happen if there is a loss of a spouse? The timing of your retirement, the longevity of family members and history, i.e., life expectancy? What is the sequence of financial returns, and what are the tax
implications? Projections over time, adjusting for inflation and how that would impact rising health care cost and day-to-day living expenses.

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These and other questions are the meat and potatoes of the initial discussion. These answers will create the framework of what, when, and where the answers will come from. Your first important task is to select the person who
will guide you through the maze.

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We, at American Retirement Advisors, search for solutions that will be your
most appropriate selection for your personal plan. Call us we can help!