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The advisors at Girard, a wealth advisory firm, hear many repeat questions from clients. Here are tips on the two they hear most.
How much should I be saving? Consider the 50/30/20 budgeting rule – half of your money goes toward “needs,” for example the mortgage. Thirty percent is allocated toward discretionary spending such as vacations and 20 percent goes to savings.
How much do I need to retire? A good goal is to have 75 - 80% of your current salary available annually in retirement. However, expenses may increase in future years, such as healthcare, so it’s essential work with an advisor to create a financial plan that adjusts as life changes.
Preparing for your financial future can seem daunting. The advisors at Girard are passionate about getting to know their clients and creating customized solutions. To learn more about creating a plan to meet your financial future with confidence visit meetgirard.com.
Investment advisory services offered through Girard Advisory Services, LLC. Securities offered through Girard Investment Services, LLC, member FINRA / SIPC. These affiliated companies are licensed subsidiaries of Univest Financial Corporation. Products and services offered are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of any principal amount invested.