Everyone knows that the baby boomers haven't saved enough for retirement so if you are close to any form of retirement, these markets can have you shaking in your shoes At this point you can't afford to lose money yet the market is dropping like a rock

Older adults were anxious about the economy long before this crisis Retirees feeling very confident of a financial secure retirement fell to 29% in April down from 41% a year earlier, according to a survey conducted by the Employee Benefit Research Institute – the lowest level in 10 years

Many people are overwhelmed with all the aspects involved in creating wealth Here are 3 secret starting points that most licensed Certified Financial Planners use with their clients

Most couples fight over finances and many will even divorce over money conflicts Many couples have differing philosophies- one may be a spendthrift while the other is a cheapskate

I'm so rich I can go slowRich people can afford to go slow and create more abundance in their lives while people who come from scarcity are always busy and busy in the wrong ways

Estate planning is thought about as wills, trusts, and gifts, etc Not anymore

You may have a good investment plan or estate plan or retirement plan but without coordination of these plans, you are most likely to lose out on making money The reason why is that all of the 7 steps in a financial plan will get you the goals that you want, in the time that you want and with tax advantages and with a comfortable amount of risk

It is scary when the money you were counting on for retirement, education, or your home is rapidly declining in value Don't panic though

Should you pay off your mortgage when you retire That’s a tough decision that many people face

Why do some people always make money while others lose What do you need to do to make your portfolio successful over time

When people retire or need to withdraw money from pensions or investments, they get confused on what to do People are living longer so their money must last for a lifetime which can be hard to plan for

Our country is drowning in debt and most of us are, too It's no secret that bankruptcies and mortgage defaults are on the rise

Many investors are frightened as they watch the changes Wall Street is going through The uncertainty about the future and the changes that are happening make people wonder, what should I do now and what do the changes mean to me

I have worked with very wealthy people and very poor people and one of the dividing lines that makes the difference is that wealthy people take the time to save a dime The most precious resource that we have is time