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Baby Boomers and Independence: Survey Says...
Over the next two decades, the most chronicled generation in America will gradually enter retirement. At that point, each wave of baby boomers will quickly discover if their retirement plans, Social Security, and personal savings will be sufficient to maintain their existing lifestyles and needs.

A 2006 survey conducted by the Employee Benefit Research Institute* found that only 24% of Americans are very confident they will have enough money to live comfortably in retirement. In addition, 14% of current workers believe they will need less than 50% of pre-retirement earnings to maintain their standards of living in retirement, and an additional 36% project their needs will be 50% - 70% of their current incomes. However, 62% of current retirees report that their needs equate over 70% of their pre-retirement incomes.

As is true of every generation facing the retirement planning process, baby boomers should have a disciplined savings and investment program in place. If you're a baby boomer, keep in mind that periodic or haphazard saving may be counter-productive. With a commitment to success and a scheduled plan, you can work toward building the necessary retirement fund to secure your own financial future.

*Source: Retirement Confidence Survey, Employee Benefit Research Institute, 2006.

CRN200801-2012517

Copyright © 2008 -- Liberty Publishing, Inc. All rights reserved.
Timothy D. Matthew
CRPS
FamilyWealth Management Group
370 Southpointe Blvd.
Suite 200
Canonsburg, PA 15317-8537
ph: 724-743-2980
fax: 724-743-0170
toll free: 800-903-3265
tim.matthew@lfg.com

Welcome to FamilyWealth Management Group
Timothy D. Matthew, CRPS

What you do today determines your direction, your prosperity and your future.

When you retain Lincoln Financial Advisors, you benefit from financial planning and personal service unparalleled in the industry. We take the time to fully understand you and your needs. Then we provide you with the information, advice and alternatives you will need to make the best possible decisions about your financial future.

Our firm's philosophy - "Serve First, Last and AlwaysSM " - was conceived over 60 years ago by legendary manager Stuart Smith and still drives our business today. As part of this philosophy:

  • We provide solutions and alternatives, but each client makes the final decisions about their own financial future.

  • Each financial plan is systematically reviewed to ensure it remains consistent with the client's long-term goals and objectives, and is aligned with our changing world.

  • Each client receives confidential, highly customized, personal service.

Abundant intellectual capital is one of our greatest strengths. Our firm's resources are managed nationally, but deployed regionally and locally. Because we provide a deep level of expertise and resources, our financial planners receive consistent, high quality functional support that enables them - and ultimately you - to receive the very best thinking our firm has to offer.

We utilize a team approach - anchored by our highly skilled advisors, who are responsible for managing all pertinent aspects of financial planning. Additional support is obtained, when necessary, from local and national teams that consist of industry experts who have strong technical backgrounds in all areas of financial planning. This business model allows our financial planners a high degree of autonomy so that they can focus solely on assisting clients in helping meet their financial goals.

Some needs are solved with financial products. Objectivity is the key to our process. Our open architecture platform gives our financial planners access not only Lincoln products, but our "best of breed" approach also gives access to insurance from other highly rated companies, private money managers, thousands of mutual funds managers, exchange traded funds, individual issue stocks, bonds, TIPS, public and private REITs, and hun-dreds of fixed and variable annuity contracts.

As a company, we believe in providing our clients with clarity and solutions that help meet their needs. We believe that long-term relationships are more important than short-term gains, and will never sacrifice the former for the latter. Conviction in what we do; the courage to get our clients to take action; competency based on continuing education and training; bringing national resources together on a team that will benefit each client; and communication that builds understanding and trust - these are the key qualities of "Serve First, Last and AlwaysSM." And these are the commitments we make to each of our clients.

So if you'd like to create, preserve and protect your wealth, the partner of choice is clear: Lincoln Financial Advisors.

CRN: 200710-2008854