The Importance of a Firm Retirement Plan

Few people will be able to retire. David Giertz is a financial planning expert who focuses on retirement with clients. The average person is saving almost no money towards their retirement. Most people struggle with consumer debt payments each month.

A retirement plan is vital for anyone who wants to have financial success. A retirement plan allows a person to feel less stress about the retirement process.


Budgeting is a critical aspect of retirement planning. Few people actively budget each month. There are various software programs that people can utilize at no cost to improve in this process.

David Giertz recommends that people maintain a budget during retirement. By keeping spending low, a person has to save less money to retire. Some people wrongly assume that retirement is the time in life to spend all of the wealth they accumulated. Higher spending is the wrong approach for a successful retirement.


Investing is a proven strategy for building wealth. There are few people actively investing towards their retirement. The most straightforward investing approach is to utilize a retirement plan option from work. Most people have a 401(k) option through their employer. At some companies, it is possible to get an employer match on a certain amount of income invested.


Numerous people struggle with consumer debt payments. Consumer debt is the worst kind of debt. Nothing is worse than paying monthly fees on something that is declining in value. People choose to finance significant purchases because it is easier at the time. Few people enjoy saving up cash to purchase a car or a boat. When it comes to retirement planning, low levels of debt are critical.

David Giertz is excited about the future of his retirement planning company. More people than ever before need financial advice in this area.

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