“I’m Ready to Retire”… or am I?

Cindy L. Rounds(607) 239-6033

Cindy Rounds is a Registered Representative with and securities are offered through LPL Financial. Member FINRA/SIPC

If you answered “NO” to any of these questions, call

• Have I made plans for what I want to do during retirement?

• Have I developed a realistic monthly retirement budget, taking income taxes into account?

• Do I have an estimate of how much monthly income I’ll receive from Social Security or a pension plan?

• If I decide to receive Social Security benefits before my full retirement age, do I know how it will impact my future financial security and that of my spouse?

• Do I have complete information on how my pension, IRA or 401(k) plans will be distributed?

• Do I know the advantages, disadvantages, costs and tax implications of post-retirement income?