{"id":16016,"date":"2014-12-10T17:32:57","date_gmt":"2014-12-10T22:32:57","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2014\/12\/retirement-planning-professionals-say-start-a-plan-early-in-life-and-stick-to-it.html"},"modified":"2014-12-10T17:32:57","modified_gmt":"2014-12-10T22:32:57","slug":"retirement-planning-professionals-say-start-a-plan-early-in-life-and-stick-to-it","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2014\/12\/retirement-planning-professionals-say-start-a-plan-early-in-life-and-stick-to-it\/","title":{"rendered":"Retirement Planning Professionals Say Start A Plan Early In Life And Stick To It"},"content":{"rendered":"
\n
\"rsz_glen_larkin.jpg\"\n<\/div>\n
Glen Larkin, investment officer and financial planner, Adirondack Trust Co\n<\/div>\n<\/div>\n

BY SUSAN E. CAMPBELL<\/p>\n

A retirement plan is one of the few tax-advantaged
\nsavings options available to just
\nabout anybody. Still, too few take advantage
\nof a plan’s unique benefits, say retirement
\nplanning professionals.<\/p>\n

“The population as a whole has not saved
\nenough at this point,” said Glen Larkin, an
\ninvestment officer and financial planner for
\nAdirondack Trust Co.’s Trust Department.<\/p>\n

Even for those fortunate enough to have
\ncompany retirement plan distributions and
\npersonal savings and investments, in addition
\nto social security payouts when they
\nretire, Larkin said the impact of taxes and
\ninflation must be taken into account when
\ndetermining whether the projected income
\nwill cover expenses during what could be a
\n25- to 30-year retirement, or longer.<\/p>\n

But don’t retirees usually need less
\nmoney in their retired years than they did
\nin their working years?
\nThat is the conventional wisdom, which
\nmay not be holding true anymore. Unpredictable things come up in life, Larkin said.
\nThe culprit is rising medical costs, not
\nonly in the premiums paid for coverage,
\nhe said, but also in the bottom-line price
\nof treatments.<\/p>\n

“The biggest unknown and fear today
\nfor those planning for retirement is health
\ncare spending,” said Ryan S. Bouchey, vice
\npresident of Bouchey Financial Group.<\/p>\n

“Many components of monthly spending
\ncan be controlled but no one can predict
\nwhere health care expenses will go, ”
\nBouchey said. “That is because they are
\ninflating at a much greater rate than the
\nconsumer price index.”<\/p>\n

\n
\"ryanboucheybio.jpg\"\n<\/div>\n
Ryan S. Bouchey, vice president of Bouchey Financial Group\n<\/div>\n<\/div>\n

As even the most generous companies
\ncome under pressure to trim health coverage,
\nthe threat of higher future medical
\nspending overshadows retirees as well as
\ncurrent employees.<\/p>\n

Trends like this demonstrate why retirement
\nplanning is such an important and
\nintegral part of financial planning, and why successful retirees involve a professional
\nto determine future goals and objectives
\nwhile designing a plan to help meet their
\nneeds, say the experts.<\/p>\n

“Planning for retirement takes time
\nand understanding the needs and income
\nsources of the individual,” said Jim Campone,
\nsenior vice president of the Wealth
\nand Financial Group of NBT Bank. “Many
\npeople put more effort into planning their
\nvacation than their retirement.”<\/p>\n

“Retirement planning is not a one-size-fits-all proposition,” Larkin said. “Planners deal
\nwith many scenarios.”<\/p>\n

“A planner gives you clarity on the things
\nthat are relevant to your whole financial
\npicture in retirement,” Campone said.
\nThe first recommendation a retirement
\nplanner may make is which type among the
\nexpanding realm of tax-qualified plans to
\nestablish.<\/p>\n

“Congress has been quiet this year,” said
\nBouchey. Yet it was not that long ago that
\nSimple IRA and Roth IRA plans, followed
\nby Roth 401(k) and the Solo 401(k) plans,
\ncame onto the legislative scene.<\/p>\n

The variety of tax-qualified plans is designed
\nto provide something for everybody
\nat different stages of a career or during the
\nevolution of a company, said Richard Fuller
\nof Richard W. Fuller, CPA.<\/p>\n

\n
\"james\n<\/div>\n
Jim Campone, senior vice president, Wealth and Financial Group, NBT Bank.\n<\/div>\n<\/div>\n

Keeping on top of reporting requirements
\nand other areas of legal compliance
\nis the key challenge of administrators. For
\nexample, there are deductible and nondeductible
\ntypes of individual retirement
\naccounts and “each has a different tax
\noutcome and guidelines for participant
\ncontributions and reporting,” said Fuller.<\/p>\n

“If new in business and the owner has a
\nfew thousand dollars to put aside, contribute
\nfully to a Traditional IRA,” said Fuller.
\n“Double that, from $10,000 to $25,000
\navailable for contribution, and the options
\ninclude a SEP (Simplified Employee Pension)
\nIRA or Simple IRA, both of which
\navoid the complexities of a pension or profit
\nsharing plan.”<\/p>\n

“A sole proprietor or partner can also
\nbegin a 401(k) plan for the company, but
\ncosts go up with the complexity of a plan,”
\nhe said. “However, to contribute more than
\n$25,000 a year the individual would have to
\nset up a form of pension or profit sharing
\nplan, or a combination of those plans, or
\nconsider a Solo 401(k) with reduced reporting
\nand administration than the traditional
\n401(k).”<\/p>\n

As a company grows, the business owner
\nmay find switching to a different type
\nof qualified plan more beneficial for accumulating
\nassets for retirement. There
\nis another decision to make when adding
\nemployees, as different plans require employees
\nto be covered and vested as part of
\nnon-discrimination regulations and other
\nERISA rules.<\/p>\n

“ERISA is the governing body for retirement
\nplans,” said Campone. “Their focus
\nin the industry has been on disclosing the
\nfees associated with a plan and making
\nsure plan providers are providing accurate
\ninformation that the client company and
\nparticipants can easily compare to other
\nplans.”<\/p>\n

Therefore cost is another variable to
\nconsider. Campone said there are custodial
\nfees, administrative fees, investment
\nmanagement fees and fees built into the underlying
\npools of investments themselves.<\/p>\n

“Transparency is the buzzword today,”
\nsaid Campone. “Consumers have rights
\nand plan sponsors are obliged to maintain
\ncertain records and disclose them, not hide
\nbehind the numbers.”<\/p>\n

Larkin believes the media has done a fine
\njob educating consumers of the benefits of
\nretirement planning. Thereafter it is up to
\nthe professionals to “know the customers,
\nunderstand their needs and objectives, and
\nhelp them work toward realistic goals,” he
\nsaid.<\/p>\n

On the other hand, some believe the
\nmedia has not properly educated consumers
\nabout the pitfalls of withdrawing money
\nfrom a retirement plan before age 59 1\/2,
\nwhen penalties kick in on top of ordinary
\nincome taxes.<\/p>\n

\n
\"fullerrichard.jpg\"\n<\/div>\n
Richard W. Fuller Fuller, is a CPA with his own independent firm in Glens Falls.\n<\/div>\n<\/div>\n

“We tell our clients regularly that if they
\nare considering any financial change, they
\nshould call us first to investigate how their
\ndecision might impact income taxes,” said
\nThomas J. Kubiak, EA, tax advisor and
\nowner of Accutax Income Tax Services.<\/p>\n

Even though younger workers “are not
\nthinking about retirement,” Fuller said “the
\nearlier they start, the better the result”.
\n“Younger workers are scared of the stock
\nmarket because of the turmoil of 2000 and
\n2008,” said Bouchey.<\/p>\n

“You only have one chance to retire the
\nway you want to, so focus on that,” he said.
\n“Having a discipline to savings, especially
\nduring prime earning years, and keeping at
\nit makes all the difference.”<\/p>\n

Retirement plans do not have to be
\ninvested in risky options. In fact, it is better
\nto choose an ultra-conservative option
\nthan to hold off contributing altogether, the
\nprofessionals say.<\/p>\n

Consider what happens when a 20-yearold
\nputs aside $100 a month in an account
\nwith zero interest and no capital growth.
\nAt age 65 the account would be valued at
\n$54,000. The plan participant would have
\nhad a $1,200-a-year tax deduction and an
\nextra $54,000 to spend during retirement.
\nCompound the account at only two percent
\nand it will have grown to $87,466 in 45
\nyears, according to Kubiak. The planholder had the same $54,000 deduction from current
\ntaxes and earned $33,000 tax-deferred
\nuntil the money is withdrawn during retirement.<\/p>\n

While a low-earnings investment is better
\nthan none, it is difficult to “avoid the stock
\nmarket if seeking to get growth out of a
\nportfolio,” Larkin said.<\/p>\n

Two-percent has historically not been
\ndifficult to obtain in the U.S. stock market,
\nalthough past performance does not guarantee
\nfuture results. The average annual
\nrate of return of the benchmark S&P 500
\nStock Index was 9.19 percent for the past
\n10 years, 11.15 percent for the past 20 years,
\nand 18.47 percent for the past five years as
\nof December 31, 2013, according to www.yahoofinance.com.<\/p>\n

“Plan conservatively, but do plan,” said
\nBouchey, who works with many on the verge
\nof retirement. “A planner will help you keep
\non track.”
\n“It is not the easiest conversation to tell
\nsomeone they have to reel in spending during
\nretirement,” he said.<\/p>\n

Retirement services companies use investment
\nmodels that guide participants
\nto the best option or options for funding
\ntheir plans.<\/p>\n

“The core strategy at NBT Bank is to
\nutilize research and asset allocation models
\nthat provide the appropriate choice that
\nmatches the participant’s goals and objectives,
\nfrom conservative to aggressive,” said
\nCampone.<\/p>\n

Fuller said, “We help people navigate
\nthat matrix of choices to their best interest
\nthis year while recognizing that things may
\nchange next year, or the next.”<\/p>\n

Start it and stick to it is the mantra of
\nretirement planning professions. And contribute
\nas much as you can.
\n“Most companies will match at least a
\nportion of employee contributions, but
\nemployees have to participate first,” Campone
\nsaid.<\/p>\n

“It always makes sense to maximize
\nretirement contributions before making
\ninvestments or adding to savings that are
\nnot tax-deductible or tax-deferred,” he said.<\/p>\n

“Get past the first step and make a commitment,”
\nsaid Fuller. “Contribute on time
\nto get the tax advantages, as deadlines for
\nsetting up and funding the account vary
\namong plans.”<\/p>\n","protected":false},"excerpt":{"rendered":"

Glen Larkin, investment officer and financial planner, Adirondack Trust Co BY SUSAN E. CAMPBELL A retirement plan is one of the few tax-advantaged savings options available to just about anybody. Still, too few take advantage of a plan’s unique…<\/p>\n","protected":false},"author":121,"featured_media":20827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[57,70],"class_list":["post-16016","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning","tag-business-news","tag-financial"],"yoast_head":"\r\nRetirement Planning Professionals Say Start A Plan Early In Life And Stick To It - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2014\/12\/retirement-planning-professionals-say-start-a-plan-early-in-life-and-stick-to-it\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Retirement Planning Professionals Say Start A Plan Early In Life And Stick To It - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"Glen Larkin, investment officer and financial planner, Adirondack Trust Co BY SUSAN E. 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CAMPBELL A retirement plan is one of the few tax-advantaged savings options available to just about anybody. 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