Understanding the Basics

Now That You Have the Time... Will You Have the Money?

Retirement means different things to different people. For some, retirement might be working less but also having more time to take advantage of outside hobbies and leisure activities. For others, it might mean starting that new business venture. For many, it can mean moving to a different part of the country or traveling to places they dreamed of but never had the time or money to visit.

Whether you have the money can depend on how well you plan between now and the time you actually stop working. Whether you stop in five years or three months, the actions you take today can make a big difference towards securing your future lifestyle. In this section, we'll help guide you through some of the major lifestyle and financial considerations you need to look at today and in the future. Retiring is not an ending... it's the beginning of a new phase in your life.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Bank and Heartland Planning Associates are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Planning Associates, and may also be employees of Heartland Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Bank and Heartland Planning Associates. Securities and insurance offered through LPL or its affiliates are:

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