b"The Bottom LineTake Stock of Your Retirement ToolboxBy Mark Melkowski602-793-6493 or mark@eagleadvisorygroup.comY ouve worked hard for what you have, built ayour kids, grandkids, or a charity that is important toto your lovedones when you retirement and are proud of it. You want toyou and your spouse. Maybe you are just saving it in spend your retirement years doing what youcase you become sick or need care. So, ask yourself, always wantedtraveling, picking up a new hobby,how would you like to use these funds to the best ofpass? Also, that ifyou use your pre-tax spending time with your loved ones and friends. Mostyour ability and how can you make sure that theseaccount for long term care 100% could be taxable to of the time for retirees and pre-retirees your expensesfunds are leveraged for your benefit? you as income? are predictable. A pre-tax account, like an IRA, can be a great tool,It's important that your money be accessible tax-free Most of you in retirement or pre-retirement havebut like any tool, it must be used properly or it justfor long term care costs, and that it also provides a done a great job of living on a budget and you arebecomes a bad tool.larger after-tax inheritance to your loved ones. determined to keep to your budget. Youre notThere are vehicles that will help with both scenarios. interested in changing your lifestyle habits when Many people are living longer, the need for medicalIf you are reading this, it may be a good time to talk you retire.care is more important than ever, longevitywith someone that understands these options to overshadows all your other needs, the longer you livebetter leverage those dollars. What do you do when you have enough retirementthe more you will run into all the concerns out in income but also have extra pre-tax money growing onthe market place, taxes, income solutions, inflation,Whats the bottom line? the sidelines? There is a quote that states investmentand so on, but the one concerns that outweighs matches intent. So, how do you intend to use thatthem all is health concerns. Do you know that if youTheres no time like the present. Now is your pre-tax money on the sidelines?are planning to use pre-tax accounts, that you mayopportunity to take a closer look at your retirement be missing an opportunity? Did you know that atoolbox and goals and make sure youre using the It may be that you are holding on to that account for$100,000 IRA may end up only being worth $65,000right tools for the job. Recipient of Silver Award from West Maricopa Association ofRealtors for High Sales Performance in 2018LET ME PUT MY SUCCESS INREAL ESTATE TO WORK FOR YOU.YOUR PROPERTY IS MY PRIORITY!Shiara KirschRealtor (928) 231-3110shiara@shiarakirsch.com82 N. Valentine Street, Wickenburg, AZ 8539037"