How To Choose A Retirement Planner? 
That 's a great question , first the retirement planner should be able to walk you through the 4 phases . 1 . Contribution 2 . Accumulation 3 . distribution 4 . transfer . Each phase is critical for you financial future . Here are some questions they should ask you , What age do you see yourself retiring example - -LRB- current age 30 , retirement age 65 -RRB- , that gives you 35 years until you retire . Next is how much money do you think you need when you retire example -LRB- you need 30,000 income -RRB- . How much money do you need to save to receive $ 30,000 a year ? Example -LRB- $ 1,000,000 saved with a 3 % withdrawal will give you your $ 30,000 -RRB- Now how much money will you have to save to have $ 1,000,000 saved in 35 years . How much of a rate of return will you earn on your money and how will it compound to in 35 years . You also have to factor in taxes , inflation , rate of return , and how much debt you accumulate . This should give you a start in finding a great adviser like our company . 