Everyone wants a golden retirement, but saving for retirement is no easy task. With Social Security's assets being consumed and the number of workers that will support it shrinking, we will need to rely more on our personal savings when it's time to retire.

Unfortunately, Most people have grossly underestimated how much they'll need to save for their golden years. In a March 28, 2005 CNN/Money report by Sarah Max, "Americans spend a lot of time fantasizing about all the fun they'll have when they retire. But the daydreams almost never include the ugly reality: just how much those extended vacations are going to cost. According to a 2003 survey by the American Savings Education Council (ASEC), more than half of all workers anticipate they'll need less than 70 percent of their pre-retirement income during their golden years, an estimate that's unrealistic for even the most disciplined budgeters."

Dollars and Sense is a retirement financial planner that offer clients a wide range of financial solutions, focusing on comprehensive retirement and financial plans.

Dollars and Sense clients gain access to a wide range of mutual funds, stocks, bonds, and tax-effective investments through our relationship with HDVest. We also recommend fixed appreciation investments, including:

• Annuities

• Modified endowment contracts

• Roth IRA

• Savings and CDs

• Individual Retirement Accounts

Dollars and Sense underlying goal is to give you the tools you need to build a nest egg... and then help protect it. We focus on three important areas:

1. Defining Personal Financial Goals

2. Planning Realistically for Retirement

3. Developing Comprehensive Estate and Tax Plans

Our specialty is providing you with the knowledge and tools for proper financial retirement planning. Let Dollars and Sense, a certified retirement financial planner, help you build your retirement nest egg.

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