Getting ready for Retirement?
Planning for retirement is a lifelong   process. Whether you're just starting to invest or you're well into your   working years, this checklist can serve as a starting point to help prepare you for this important financial goal.

• Understand your likely retirement income needs by calculating an updated retirement savings goal.
• Consider your ability to tolerate investment risk, keeping in mind that long-term performance potential may compensate for short-term risk potential.
  

Planning to pay for College
College costs continue to rise, but through regular saving and investing for growth, you can help a child realize his or her goals.

• Review the balances in your current college savings accounts (if you have any).
• Consider all your child's college options, including  the possibility of starting at a less expensive local  college and then transferring elsewhere after a  year or two.
  
  

Do you save enough?
Personal savings have reached record lows, yet saving is essential to ensure a comfortable future. Learn how to track monthly expenses with a budget and potentially free up cash for saving.

• Speak to others in your family about the importance of working together to improve the household's bottom line and come up with cost- saving ideas.
• Figure out how much money you saved last year.  What percentage of income did you set aside for the future?
  

Begin Your Financial Security & Investments
An overview of financial planning geared toward young people just entering the workforce. The importance of saving for the future will be stressed, and tips on budgeting, insurance, and paying off student loans will be offered.

• Identify each of your long-term financial goals, including your time frame and the amount of money you'll likely need for each.
• Open a Bank Account.