Harold Zazula, CFP®, RICP®, CLTC

You've worked hard for many years and are finally contemplating retirement, or are already retired. But do you know what risks are lurking that could derail a successful retirement? As a former actuary, thinking about the inherent risks to a plan has always been natural for me. But most people I've met, haven't considered (and certainly not quantified) the potential pitfalls that could arise during or shortly before retirement. Some are more obvious, like a market crash, or health care needs, but others are more subtle, like taxes, inflation and even divorce or the death of a spouse. If you'd like to find out what risks may be in your plan, how damaging they may be, and how you may be able to fix them, contact me through LinkedIn or our web site www.myccmc.com.