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Your solution: As we believe at Howard Bailey, the antidote to navigating your way through times like these is having a proper plan and being proactive. You will inevitably face roadblocks on your way to and through retirement, but identifying what those are is often the first step to overcoming them. Here are four:

📌 #1 – You’re paralyzed by the volatility in the markets: When the markets feel out of control, your first instinct might be to “bury your head into the sand”. However, try focusing on what you can control and implement retirement strategies designed according to your unique financial situation.

📌 #2 – You don’t have a retirement mindset: This is the shift you must make from accumulation mode to decumulation mode, and it can be a difficult one. Instead of a constant saving mindset, your focus must be on how to strategically protect your accumulated wealth and create a lifetime “paycheck replacement”.

📌 #3 – You don’t know where to begin: The process of retirement planning might feel overwhelming at first, but begin by taking small steps to gain the momentum you need.

📌 #4 – You don’t understand the world of advisory services and platforms: First, be aware that not all advisory platforms are created equal. And second, educate yourself on options available, as well as advisory fees, credentials, education and products offered.

Consider the big picture: Maybe you feel paralyzed by market volatility or believe you shouldn’t make any portfolio changes; but what if the reality is that you would be better off, both financially and psychologically, by making a shift today?