Issue link: https://read.dmtmag.com/i/335336
56 BRAVA MAGAZINE | JULY 2014 Lori Huston-Dinga, CRCP®, CLU®, APMA®, ChFC® Financial Advisor 2009 W. Beltline Highway Ste. 100 Madison, WI 53713 1.608.831.3230 x339 Lori.L.Huston-Dinga@ampf.com ƌŽŬĞƌĂŐĞ͕ŝŶǀĞƐƚŵĞŶƚĂŶĚĮŶĂŶĐŝĂůĂĚǀŝƐŽƌLJƐĞƌǀŝĐĞƐĂƌĞŵĂĚĞĂǀĂŝůĂďůĞƚŚƌŽƵŐŚŵĞƌŝƉƌŝƐĞ&ŝŶĂŶĐŝĂů^ĞƌǀŝĐĞƐ͕/ŶĐ͘ DĞŵďĞƌ&/EZĂŶĚ^/W͘ŽŶĮĚĞŶƚZĞƟƌĞŵĞŶƚŝƐŶŽƚĂŐƵĂƌĂŶƚĞĞŽĨĨƵƚƵƌĞĮŶĂŶĐŝĂůƌĞƐƵůƚƐ͘dŚĞŝŶŝƟĂůŽŶĮĚĞŶƚZĞƟƌĞŵĞŶƚ͘ ŽŶǀĞƌƐĂƟŽŶƉƌŽǀŝĚĞƐĂŶŽǀĞƌǀŝĞǁŽĨĮŶĂŶĐŝĂůƉůĂŶŶŝŶŐĐŽŶĐĞƉƚƐ͘zŽƵǁŝůůŶŽƚƌĞĐĞŝǀĞǁƌŝƩĞŶĂŶĂůLJƐŝƐĂŶĚͬŽƌƌĞĐŽŵŵĞŶĚĂƟŽŶƐ͘ ΞϮϬϭϰŵĞƌŝƉƌŝƐĞ&ŝŶĂŶĐŝĂů͕/ŶĐ͘ůůƌŝŐŚƚƐƌĞƐĞƌǀĞĚ͘;ϭͬϭϰͿ Lisa A. Spadoni, CRPC®, APMA® Financial Advisor 2009 W. Beltline Highway Ste. 100 Madison, WI 53713 1.608.831.3230 x332 >ŝƐĂ͘͘^ƉĂĚŽŶŝΛĂŵƉĨ͘ĐŽŵ Goldsteinprivatewealth.com Take charge of your dream ĨŽƌĂĐŽŶĮĚĞŶƚ ƌĞƟƌĞŵĞŶƚ͘ dŚĞŵĞƌŝĐĂŶĚƌĞĂŵŝƐŽĨĂďĞƩĞƌĨƵƚƵƌĞ͘tĞ͛ƌĞĚĞĚŝĐĂƚĞĚ to helping you keep that dream alive. By listening, planning, ǁŽƌŬŝŶŐǁŝƚŚLJŽƵŽŶĞͲŽŶͲŽŶĞ͘tĞ͛ůůŚĞůƉLJŽƵďƵŝůĚĂƉůĂŶƚŽ ƌĞƟƌĞLJŽƵƌǁĂLJ͕ǁŝƚŚĐŽŶĮĚĞŶĐĞ͘ WHAT DO YOU THINK ABOUT WHEN YOU DREAM OF RETIREMENT? By Lori Huston-Dinga and Lisa Spadoni +LZWP[LV\YKPMMLYLU[JPYJ\TZ[HUJLZ^LTH` have something in common. For most, a JVTMVY[HISLYL[PYLTLU[PZV\YNVHS:VOV^ KV^LNL[[OLYL& The retirement journey is similar to a mountain climbing expedition. In mountain climbing, the priorities and key concerns that one plans for on the ascent differ from those on the descent. Professional climbers say that [OLHYLHQ\Z[ILSV^[OLZ\TTP[PZVM[LU[OL most perilous. If you don't plan appropriately for this leg of the climb, you run the risk of depleting your resources prematurely. Retirement planning is similar in that priorities before you retire tend to differ from those HZ`V\LU[LYPU[VYL[PYLTLU[>P[OV\[[OL luxury of time to replenish your resources, the KLJPZPVUZ`V\THRLHSVUN[OL^H`TH`OH]L NYLH[LYSVUNSHZ[PUNPTWHJ[VU`V\YÄUHUJPHS resources. In planning your retirement, it's important to YLJVNUPaLOV^WYPVYP[PLZTH`JOHUNL@V\ can expect to encounter life changes and JOHSSLUNLZ[OH[TH`[LTWVYHYPS`[OYV^`V\ VMMJV\YZLVYZSV^`V\KV^U@V\^PSSOH]L a better likelihood of successfully navigating [OLZLJOHUNLZ^OLU`V\OH]LHÅL_PISLWSHU PUWSHJL[OH[HSSV^Z`V\[VTHRLULJLZZHY` HKQ\Z[TLU[ZHSVUN[OL^H`THRPUNP[LHZPLY[V stay on track. >OLUP[JVTLZ[VTHRPUNZPNUPÄJHU[VY potentially irrevocable retirement planning decisions, it's important to have an L_WLYPLUJLKRUV^SLKNLHISLN\PKL*SPTILYZ PU[OL/PTHSH`HU4V\U[HPUZYLS`VU:OLYWHZ :PTPSHYS`HUL_WLYPLUJLKÄUHUJPHSHK]PZVY ^OVPZPU[\UL^P[O`V\YZP[\H[PVUJHUN\PKL `V\[V^HYKTHRPUNPUMVYTLKJOVPJLZ[VOLSW IHSHUJL[VKH`»ZULLKZ^P[O[VTVYYV^»ZNVHSZ They can help you navigate through a key stretch of your retirement journey—near the summit. >V\SKU»[RUV^PUN[OH[`V\JHUWSHUMVY maintaining the lifestyle of your choice help `V\ZSLLWIL[[LYH[UPNO[& Lori Huston-Dinga and Lisa Spadoni are Financial Advisors with Ameriprise Financial. 9,;09,4,5;73(5505. | Special Advertising Section