Planning a successful retirement is about more than saving enough money. It also means learning to adjust your habits — financial and otherwise — to your new schedule and lifestyle. 
Are you ready? Or at least headed in the right direction?
Wherever your current situation is, here are the factors to think about as you move into your post-work years.
New Expenses — You’ll no longer need to spend money on commuting costs or your work wardrobe, but you may have other financial priorities, like your golf hobby, visiting family or finally taking that spa vacation.
Cost-of-Living Fluctuations — Budget for your basics, like utilities and property taxes, and remember that they could continue to increase as time goes on. 
Health Care — Consider supplemental health insurance to help cover what Medicare doesn’t. This can help with coinsurance, deductibles or prescription drug costs.
Rebalancing Assets — When you have a regular paycheck, it makes more sense to take on a little risk. As you age, you might want to start being more conservative. Schedule a check-in if it’s time to revisit your goals. 
Taking Care of Your Home — If you intend to live in the same home when you retire, then take a hard look at possible modifications at least three to five years beforehand. A new roof, deck  or furnace can cost a pretty penny.
Managing Debt — Retirement income and Social Security benefits will be constant, which means your bandwidth to repay debt could be hampered if interest rates rise.
Miscellaneous Accounts — Once retired, it’s more important than ever to be mindful of how much you have saved, where or how it’s invested, your checking account balance and any interest you’re paying.
Future Plans — It’s important to keep your estate plan and beneficiaries up to date and to map out your budget and intentions for the next several years.
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Want to discuss your finances in greater detail? Reach out anytime.

imagine this: You have two job offers with similar salaries and potential career growth. Which one should you take?  
The answer may depend on the other benefits on the table.
Many employers offer more than a salary and health insurance. No matter your current situation, make sure you’re aware of a company’s potential perks, and more importantly, make sure you’re taking advantage of them.
Here are seven benefits to know: 
1. Matching retirement contributions — Many employers will match some portion of your contribution toward your 401(k) or 403(b) plan. This is basically free money, so be sure to take advantage of it.
2. Flexible savings accounts — These accounts allow you to put aside pretax money to pay for qualified expenses such as medication, child care or parking.
3. Group life insurance — You might be offered access to supplemental insurance. The payout varies, but it usually equals one year's salary. 
4. Student loan assistance — Today’s typical college graduate accrues thousands of dollars in debt. Knowing this, many employers who want to attract new talent now offer college debt repayment as a benefit.
5. Continuing education and training programs — Both employers and employees benefit when new skills are learned. Check to see if your employer offers a continuing education stipend.
6. Parental leave — A handful of states have passed legislation to require paid family leave. Additionally, more employers are offering paid maternity and paternity leave.
7. Vacation time and gym memberships — Both are linked to increased worker productivity. Be sure to use all your paid time off and check to see if monthly gym memberships are a reimbursable expense.
Have questions? Reach out anytime to discuss your long-term goals and to make sure you’re making the most of your earnings.