November 2019
IN THIS ISSUE...
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 Commentary!
7 Common Mistakes to Avoid with Your Retirement Money
A comfortable retirement is a major reward many individuals strive for when they've spent the majority of their years working and, in many cases, making sacrifices to save for the future.

Whether it's been 10 weeks or 10 years, your circumstances are bound to change throughout retirement, therefore it's important to review your financial situation periodically and consider any potential changes you can make to improve your lifestyle.

Choosing to retire takes a great deal of thought and planning not only before making the transition, but throughout that stage in your life. Click here for 7 common mistakes to avoid with your retirement money.

If you're looking for guidance on saving or transitioning into retirement, please don't hesitate to call our office at (518) 584-2555.
Did You Know?
 - While 150 million Americans were employed in 2015, only 54 million put money into a retirement savings plan. 

- More than 1/3 of all retirees claim their Social Security benefits when they first become eligible at age 62.

- 61% state not saving enough for retirement as their biggest financial regret.

Source: Fidelity.com
50 Things Turning 50 in 2019
2019 marks 50 years since 1969, one of the most exciting years in history! A chain of famous events would change the world for the good and bad, leaving its mark in history as one of the most culturally defining years to date.

Click here for 50 things that turn 50 in 2019. Many you may have forgotten, while some may still be fresh in your mind!
Saratoga Restaurant Week!
From November 4th through the 10th, you can enjoy a 3-course dinner for $20 or $30 at participating Saratoga restaurants! 
 
$10 lunch specials are also being offered at some locations. Saratoga Restaurant Week makes for the perfect opportunity to get out and try one of the area's many 
new restaurants at a great price! 
 
Reservations are suggested. Participating restaurants can be found here!
Robert Schermerhorn, CFP® Jamie Usas, CFP®,
Operations Manager
Amanda Friedman,
Wealth Consultant
 
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18 Division Street, Suite 305
Saratoga Springs, NY 12866
Phone: 518-584-2555

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Planning Tip
Talk with the next generation.

Do your loved ones know what you plan to leave them when you pass away? Do they know who to contact when something happens? While no one likes to think about these things, fewer surprises will make estate administration much easier to handle when the time comes.

Consider drafting a letter of instruction to your children and fiduciaries. Be sure to include an inventory of assets and a list containing contact information of your estate planning attorney and financial advisor. Easy access to this information can save your family a lot of stress in an already difficult time. Be sure to regularly update the information, as family and financial circumstances are bound to change over time. 
Securities & advisory services offered through LPL Financial, a registered investment advisor, member FINRA / SIPC

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.