SOSMagOctoberDecember2021

Securities and investment advisory services offered through Royal Alliance Associates, Inc. (RAA), member FINRA/SIPC. RAA is separately owned and other entities and/or marketing names, products or services referenced here are independent of RAA. PH ENIX Financial Group Gary C. Yontz Sr., LUTCF, CLTC Tyler Cammalleri Investment Advisor Representatives 2419 E. Perkins Ave., STE D Sandusky, Ohio 44870, (419) 626-1765 Quality Realty Linda Armstrong & The A Team Rossy Binette Marketing/ Listing Cordinator- Unlicensed Katey Eirons Licensed Realtor Linda Armstrong Licensed Realtor Gwen Kelley Licensed Realtor 419-627-9914 TheATeamsellshomes.net Each Office is Independently Owned and Operated Don't Make a Move Without Us! When you are nearing retirement and have a lot of items on your bucket list. Longer life expectancies mean you may need to prepare for two or even three decades of retirement. How should you position your money? One approach is to segment your expenses into three buckets: • Basic Living Expenses— Food, Rent, Utilities, etc. • Discretionary Spending — Vacations, Dining Out, etc. • Legacy Assets — for heirs and charities Next, pair appropriate investments to each bucket. For instance, Social Security might be assigned to the Basic Living Expenses bucket. For the discretionary spending bucket, you might consider investments that pay a steady dividend and that also offer the potential for growth Finally, list the Legacy assets that you expect to A Bucket Plan to Go with Your Bucket List pass on to your heirs and charities. A bucket plan can help you be better prepared for a comfortable retirement. At PN Financial Services, we are committed to helping our clients navigate the complexities of retirement planning in a straight-forward, easy to understand way. We will work closely with you to build out a plan specific to your needs to lead you to the right track for a successful retirement. Our team of financial professionals has the ability to assist with retirement planning, estate planning, and business succession planning, as well as recognize the tax consequences of recommendations so you can have truly complete plan. Call us at 419-668-2552 for a free, no obligation, consultation and we can develop a strategy that may help you put enough money in your buckets to complete all the items on your bucket list. We have offices located in both Norwalk and Sandusky. Securities offered through Avantax Investment Services SM , Member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services SM . Carl McGookey, Financial Advisor PAID ADVERTISEMENT 17