*Securities and investment advisory services offered solely through
Ameritas Investment Corp. (AIC), Member FINRA, SIPC. AIC and
Ameritas Financial Services of Western PA are not affiliated.
Additional products and services may be available through Michael
Mumau or Ameritas Financial Services of Western PA that are not
offered through AIC. Securities products are limited to residents of
Pennsylvania, Ohio, Florida, and North Carolina.
This is not an offer of securities in any jurisdiction, nor is it specifically
directed to a resident of any jurisdiction. As with any security, request
a prospectus from your registered representative. Read it carefully
before you invest or send money. A Representative from Ameritas
Financial Services of Western PA will contact you to provide requested
Representatives of AIC do not provide tax or legal advice. Please
consult your tax advisor or attorney regarding your situation.
Do I Need A Financial Representative?
Financial Representatives are trained to deal with
myriad personal financial topics, we can help you set
financial goals and priorities, then recommend specific
steps to meet them. We help our clients plan for short-
term and long-term goals, such as education expenses
and retirement. We then recommend investments to
match the clients' goals. This means they may give
advice on how you should allocate your investments,
what kind of insurance you really need and explain how
certain moves may affect your taxes or estate.
How Much Do I Need to Save?
Many Americans realize the importance of saving for
retirement, but knowing exactly how much they need to
save is another issue altogether. With all the information
available about retirement, it is sometimes difficult to
decipher what is appropriate for your specific situation.
One rule of thumb is that retirees will need approximately
80% of their pre-retirement salaries to maintain their
lifestyles in retirement. However, depending on your own
situation and the type of retirement you hope to have,
that number may be higher or lower.
The estimated total may seem daunting. But after
determining your retirement savings goal and factoring in
how much you have saved already, you may be able to
determine how much you need to save each year to
reach your destination. The important thing is to come up
with a goal and then develop a strategy to pursue it. You
don’t want to spend your retirement years wishing you
had planned ahead when you had the time. The sooner
you start saving and investing, the closer you will be to
realizing your retirement dreams.
This is where we come in. Give us a call today and let us
help you find the right investments now to get you to
your goal and be able to live comfortable during
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For generations, we’ve been helping
hardworking folks of all ages protect and grow
their assets for a comfortable retirement and
Check the background of Ameritas Investment
Corp. or this investment professional on FINRA’s