Before you invest, talk to a financial professional to determine what investments will best meet your needs. Below are some issues to consider:

• How many years remain until I retire?
• What are my retirement goals?
• Which investments may be best suited for me, based on the number of years until I retire and my life expectancy?
• What kind of asset allocation is appropriate for my time frame?
• Am I already taking advantage of any plans offered by my employer?
• Are there any other financial vehicles I should consider?
• Do I have the right type and amount of life insurance coverage?
• Do I currently have both disability and long-term care insurance?
• Am I currently financially supporting one or both of my parents (or is there a chance I will need to do so)?
• How much money will I need to live comfortably during retirement?
• Recently, I have:
  • Changed jobs
  • Gotten married
  • Taken on more debt
  • Paid off a significant amount of debt
  • Begun receiving Social Security
  • Become a parent or grandparent

These are just a few of the life-changing events that could affect your retirement planning strategy. Talk with your financial professional and tax advisor to make sure you consider your complete situation when planning for the future.