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The 2 main obstacles that I have witnessed in people's efforts (or lack thereof) in planning for retirement are lack of information (or misinformation) and procrastination.  I believe that many avoid dealing with this issue because they view their retirement as very uncertain and possibly shaky. 

However, the good news is there are some excellent options available to most people, including those with very limited expendable income.  Most people are afraid to speak with an advisor for fear of being told that they need to come up with an additional sum of money that they simply cannot produce, or curtailing the lifestyle that they are comfortable living.  However, a good advisor can look at the larger picture of a client's money pie and assist in reducing tax burdens and other unnecessary expenses.  It is just a matter of taking the time to sit down with the right kind of advisor, one with your best interest in mind! 

Finally, the best time to act is now.  Timing is extremely important in retirement planning.  Obviously, the younger you are, the longer your money can grow before retirement.  However, if you are no longer in the spring chicken category, there still may be some great options for you unless you keep on waiting!  As the saying goes, the best time to plant a tree was 10 years ago, the second best time is today!

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