Third Quarter 2015 Newsletter
Dear Participant,

Next week, October 18th through the 24th, Heffernan Retirement Services will be part icip ating in 'National Retirement Security Week'.  HRS and your company will be sending out information all next week to make you more aware of how critical it is to save now for your financial future, promoting the benefits of getting started today, and encourage all of you to take full advantage of your company's retirement plan by increasing your contributions.

If you have been paying attention to the markets this last quarter you will remember the ups and downs we had to face.  Check out the Third Quarter Market Review Video to recap the last three months.
Below you will find three Life Stages you may encounter during your accumulation phase to retirement. In each of the Life Stages we will provide articles, calculators, and resources to help you save, save more and retire on your own terms!
It doesn't matter where you are in life now is the time to take action and save. This is where you can get some sense that whatever action you do take now will put you on track to be able to eventually retire.

Typically, at this stage, your life has gotten more complicated. This is also the time to check if you need a mid-course adjustment to be able to have the retirement paycheck you desire.


Congratulations! You are almost there!  This is the stage to conduct a financial plan to be able to understand what you will actually need in retirement and fine tune your plan to ensure you get there
F Finding a Footing
Are you confident that your savings rate and investment strategy will allow for you to retire in 40, 30, 20, or 10 years from now?
B Building a Nest Egg 
Do you need to take make any mid-course adjustments to keep you on track?
C Closing in on Retirement 
Have you looked at your overall strategy to ensure that you get there? Contact Heffernan Retirement Services for an Overall Financial Review today!