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It’s a lot to think about, but when it comes to your lifelong savings, you’ll find several ways to ensure you stay the course here, including:

📌 Don’t give in to knee-jerk reactions: Instead of letting mainstream media influence your financial decisions, seek out sound advice from a professional.

📌 Differentiate your money between short-term and long-term: By maintaining a mindset that your hard-earned dollars are separated into two different time frames, you can create a more efficient income-distribution strategy.

📌 Shore up your income streams: Don’t view your retirement income stream as a percentage of withdrawal from your accounts. Instead, think of dedicated resources that will be utilized over varying periods of your retirement, such as a CD, money market fund or bond - all of which are not dependent on the stock market.

📌 Invest in quality companies for the long-term: You want your money to grow over long stretches of time, and that steady growth can stem from financial vehicles such as equities.

📌 Focus on being tax-efficient: Allocating your money into three buckets (tax-free, tax-deferred, taxable) is one primary way to remain tax-efficient.

📌 Let integrated planning help you make sound decisions: A truly comprehensive retirement plan weaves all of the important factors together. At Howard Bailey, that’s what we call your L.I.F.E. Plan.

Small strides for big results: Simply by taking action, you can reduce anxiety. It’s not about making major changes, but little tweaks to increase the understanding of your overall strategy.