Retirement can be an exciting new phase of your life but a successful retirement doesn't just happen. Planning for retirement is not simple and when they do it themselves people tend to make mistakes (see below) that have a big impact. Yet, if there is a place where you want a "Margin of Safety" it is when planning for retirement.

When it comes to retirement and investment advice our unmatched qualifications and investent success (see panel to the left) means that we can provide the expert, objective financial advice that you need.

Princeton Value Advisors helps individuals with all stages of retirement planning and investing – From those with decades of working life until retirement, to those approaching retirement and to those already in retirement who want objective and professional help. We give you expert, objective advice and recommend strategies to better prepare and manage your personal and financial future. We will take the time to explain the options available to you and their pros and cons. That way you can be confident that your investment strategy is in fact right for you, your goals, and your priorities.

The two most important mistakes people make that put them at great risk of outliving their assets

1. They underestimate how long retirement can last. Today a husband and wife preparing for retirement should assume that there is a 50% chance that one of them will live to 95.
2. They overestimate the returns they can expect ont their retirement savings. This is a mistake many financial advisors make too.

   The reason for this mistake is that if you are preparing for retirement the period from 1980 to 2000 spans most of your adult life. As a result, you probably think that the investment returns during this period were "normal". They were not. During this period the stock market went up 13 times in price while the economy grew only 3 times. Unfortunately, the average company can grow only as fast as the economy as a whole. This was a fun party while it lasted but it will not return. Even worse, we are still working off a "hangover" of low, even negative stock returns and low bond yields. Conservative planning is critical to protecting against outliving your assets.

Click on the retirement subtopics to the left for more information about retirement long-term planning, investment strategies and managing risk and security.

Call (609) 683-8005 today for a no-obligation, complimentary consultation.