As the Baby Boomer generation has reached retirement age they have propelled many others to question their preparedness for their own retirements. No matter your age, the time is right to consider the Arizona Retirement Services available to secure your future. 

Consider these 10 helpful hints to bring financial security to your retirement:

1. Start now if you haven't already.  Even if you are already close to retiring, you can still set aside some funds for this next stage in your life.  If you think you are too young to begin, think again.  Life is fast-paced, and the more you wait, the more likely you are to further postpone its beginnings. 
2. Treat your retirement savings as if they are an expense.  If you wait to put aside whatever is left over every month, you are not likely to save anything. Instead, put it in a separate account, or better yet have your employer deduct the funds prior.  If you never receive the money in your hands, you will not feel as though you should be spending it on something that seems more pressing at the time. 
3. Take advantage of the tax-deferred accounts as much as possible.  Put as much into that account as you can afford, but keep in mind that early withdrawal, prior to 59.5 will result in large penalties, some as much as 10%.
4. Diversify your portfolio so it will maximize its growth for your age, risk tolerance, and whether you need your account to grow or produce income.  Special attention to these elements will help you control your future. 
5. Consider your retirement expenses when you plan your future's monetary needs.  Take both big expenditures (vacations, car purchases, etc.) along with your daily needs.
6. Plan and live within a budget so you are not nullifying your percentage gained through investment via overspending.   
7. Periodically reassess your portfolio's success.  Talk to experts to make certain that your returns on investment are holding steady or improving.  If not, change things around.
8. Reassess your current fiscal needs and reassess to make certain that your goals today are your realities tomorrow.  When will you pay off the mortgage?  Are you likely to acquire a car payment in the next years?   
9. Consider your spouse.  Do they have their own plan, or will they rely on yours?  The answer to this question will substantially impact the amount you must save. 
10. Work with a planner who is familiar with all of the new, constantly evolving retirement planning industry.  Your future is far too important to take a chance by throwing the cards into the wind.  

Retirement has a way of sneaking up on everyone.  It shouldn't be that way, however, as there is the financial retirement services that are at your disposal. With a planner's expertise and you dream of the future, you are certain to support a retirement plan that serve your needs in the future. 

Please contact someone at Omni Insurance Services.  We have the retirement knowledge you need with the unparalleled customer service you desire.  We look forward to guiding you to the secure retirement of your dreams.