If you’re like 60 percent of consumers, you’ve never talked to a retirement planner. But should you? Someone who starts early may check in with a financial advisor every five to ten years or whenever they have a major income or life change.
But a first-time consultation even when someone is in her/her mid-50s or getting ready to retire in a few months is a smart move because once someone has retired or made choices for drawing a pension or Social Security, the options are fewer. If someone doesn’t understand how to diversify, it may be time to seek out a retirement planner.