Buying Time: A Financial Planner Reveals the Secret to a Secure and Fulfilling Retirement
By Jeff Gorton
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About this ebook
Buying Time is a clear guide for successfully funding the retirement years, written by financial planner Jeff Gorton. As a specialist in retirement planning, over many years he has helped hundreds of people deploy their assets strategically—so they will last throughout the decades of retirement at the desired income level—wh
Jeff Gorton
Jeff Gorton is the president of Gorton Financial Group. Jeff is a Certified Public Accountant, a CERTIFIED FINANCIAL PLANNER™, and a Retirement Income Certified Professional ® specializing in individual tax and retirement planning. He is also an Investment Advisor Representative under Brookstone Capital Management, LLC, an SEC registered investment advisor, and has life and health insurance licenses. Jeff is also a nationally known speaker, teaching classes on various financial topics, including investments, retirement strategies, Social Security strategies, and budgeting. He has been featured in the Wall Street Journal, Marketwatch, Newsday, Investor Ideas, and multiple other national publications, offering his unique perspective on various financial topics.
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Buying Time - Jeff Gorton
INTRODUCTION
Planning Your Successful Retirement
Today’s retirement reality is much different than it was for previous generations, when most people retired with an employer-paid pension plan, supplemented by Social Security and perhaps a few small investments. That was the norm decades ago because most people were employed by a single company for their entire working life.
Now, however, most people guide their own professional development, ascending the ladder of their careers by moving from company to company, opportunity to opportunity. And pensions are typically offered only to federal or state workers who have put in their years of service—though we find that even these pensions have been limited because of governmental cost-cutting factors.
In a similar way, most people are now required to take responsibility for their own retirement funding, as the company pension plan has long since been replaced by retirement investment vehicles that are self-owned and self-managed.
For some, the shift of responsibility from employer to employee has been a good thing, offering far greater flexibility at the individual level, and a correspondingly improved potential for personal fulfillment. By the same token, taking responsibility for your own retirement funding can offer an improved outcome and broader adaptability—when a few simple principles for funding those years are thoroughly understood and well applied.
This guidebook is designed to show you those principles along with their application. They’re foundational to the methodology I use with my clients, to help them plan financially for a retirement success tailored to their unique situation and goals.
WHAT’S YOUR RETIREMENT SCENARIO?
As a specialist in this financial planning area, I’ve seen just about every possible approach to funding the retirement years:
• There are those who follow the stock market with a zeal that borders on obsession, while hoping for a sudden windfall.
• There are others who turn their investments over to a large Wall Street firm, hoping the financial wizards the firm employs will maximize their returns with investment schemes known only to