Retirement Planning
A PLAN THAT PUTS YOU AT THE FOREFRONT OF CREATING GENERATIONAL WELATH

The things you see yourself doing when 9–5 now belongs to someone else. The places you picture yourself exploring. The people you intend to spend it all with. If you can imagine the way you want to retire, you can plan for it.

With employer pensions on the decline and uncertainty surrounding the Economy and Social Security, retirement planning is more important than ever. At Polar investment company, we can help you understand exactly how much you'll need to retire the way you want, and develop an income strategy to get you there. We'll look at your expenses, priorities, and goals and help you put your money to work, so you can take some well-deserved time off.

Where can retirement income come from?

Beyond traditional investments, here are some more places where you can find money for retirement:

• * IRAs and your employer's 401(k) plan are good ways to save for retirement today.
• * Banks: Put money away now for an income later with annuities.
• * Digital Assets: Aside from its great benefits of earning from the moment you start investing in the digital world, the convenience, security, and potential for value appreciation have prompted many to embrace this new form of investment as it holds the ability to keep you and your loved ones' financial future bright.

While having a 401(k) or IRA is a great start, a solid financial plan takes a closer look at the income you have coming in, and the amount you'll need to supplement. The earlier you start planning, the longer you have to build up your savings and put your plan into action. But even if you plan on retiring in the next year or two, there's time to get prepared.

We often hear about the importance of starting early to save for retirement, but it's hard to visualize the difference that starting early can make. Regardless of the rate of return (as long as it's greater than zero), a person who only saves from ages 25–35 will always have considerably more money by age 60 than the person who saves from ages 40–60. Thanks to compound interest in digital assets, you can end up with more money, as long as you start earlier.