According to surveys, about 80 per cent of New Year’s resolutions fail by the second week of February. So how do the 20 per cent who succeed stick to them?

The day when you achieve complete financial freedom may come years before you decide to retire. In fact, highly motivated people who enjoy the challenges and rewards of a successful legal practice often choose to work long after the income is necessary.

Thinking about taxes can feel like a low priority in a year when so many people were forced to deal with the fallout of an economy in flux. It’s hard to imagine anyone whose life and finances were not disrupted this year. 

Do you find it hard to save money? Are you stressed that you haven’t put enough aside for retirement? Does achieving your life dreams feel elusive?

If this is you, you’re not alone.  

Annuities provide guaranteed income for life. In that regard, they are one of the most effective ways to eliminate investment risk in retirement.

The quick answer to the question, “Can you save too much for retirement?” might seem like an obvious, “No. You can never have too much money.” But another way to ask the question might be, “What are you giving up by saving too much for retirement?” 

After settling on an advisor you feel you can work with, it’s time for you to get down to the business of setting financial goals. 

This requires a whole new set of questions: