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By Terry Savage on September 07, 2020 | Financial Planning / Retirement

You said Randy Brun was one of your favorite financial planners, but I thought flat fee charging was bad because they get paid whether you do well or not. Please recommend a certified financial planner for us. My husband had to retire earlier than we planned due to illness. He wants me to retire in April at 62 so we can see our grandkids in TN more often. Appreciate your help.

Terry Says

YOu DO need a financial plan — especially if you are retiring 5 years before you are eligible to take full Social Security. In fact, retiring too soon, and taking SS too soon are the absolute WORST mistakes you can make in your planning.

Did you know that Fidelity estimates a couple retiring at AGE 65 today will spend nearly $200,000 in uncovered healthcare costs over their lifetime, beyond Medicare? And if you retire at 62 what are you going to do for health insurance till you get Medicare at age 65?Retiring early to accommodate his illness could be your most costly decision ever.

Find a financial planner through Wealthramp.com — where you will be matched with a FEE-ONLY financial planner who is not trying to SELL you something to earn a commission. And yes, Randy Brun is one of those carefully vetted planners on their site, and I do recommend him.

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