Are you ready to retire?

Everyone dreams about the time in their life when they no longer have to answer to an alarm clock or a difficult boss. Yes, retirement does sound like the best part of one’s golden years, but how do you know if you’re truly ready to walk away from a steady paycheck provided by your job?

“Typically, many people underestimate their monthly and annual expenses when figuring out their budget during retirement,” said Margie Shard, CERTIFIED FINANCIAL PLANNER and owner of Shard Financial Services in Fenton Township. “It’s easy to remember rent and utilities but it’s easy to forget semi annual and annual expenses like car insurance, taxes, plus entertainment and travel. In order to know if you have the ability to cover your expenses in retirement, you have to be very thorough in making sure you know what all your expenses are.”

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