DECEMBER 2020
Even in these unprecedented times, financial advisors say it’s time to look to the future
JOHNSON BRUNETTI
To say that 2020 has been a learning experience would be a dramatic understatement. But in terms of how we’ve handled our money, the up-and-down economy and the uncertainty of living through a global pandemic, this year has taught us the importance of financial planning. By not giving into panic and perhaps even taking advantage of some rare opportunities, many investors have managed to stay afloat through a dark time. The good news is that the economy has proved stronger than we might have feared – and sunnier days may finally be on the horizon.
Heralding this brighter outlook are headlines about the arrival of vaccines for COVID-19. And for retirees, folks who have postponed retirement, and younger adults who might have set aside their retirement plan or even pulled from their existing retirement to make ends meet, it’s probably time to, once again, focus on the future.
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“The vaccine is great news,” says Joel Johnson, CERTIFIED FINANCIAL PLANNER™ and CEO of Johnson Brunetti, a local independent retirement and investment specialty firm with offices throughout Massachusetts and Connecticut. “I think news of the vaccine will buoy the markets and buoy the economy, which translates to better news for our 401Ks and our long-term retirement savings.”
The first step in refocusing for the future is to make sure you have a retirement income plan. The professionals at Johnson Brunetti are experienced fiduciaries, having helped thousands of families just like you handle retirement planning, estate planning, asset management, 401(k) guidance, and wealth protection. Johnson and his team know that you’ve worked hard to build your life, your home, and your family. They believe you deserve to be rewarded for that work, no matter what state the economy is in.
“If we were sitting here three years from today, 2023, and we were to look back on this crisis, I believe the question would be, did you do the right things with your money?” says Johnson. “Because the people that set themselves up right, I believe, are going to be pretty happy and pretty relieved.”
If you’ve postponed retirement or are just now starting to consider it, you might weigh the benefits of continuing to work for another year or two to give the market time to fully recover. If you do decide to retire, or if you don’t have a choice, you may want to consider delaying drawing Social Security. Again, your financial advisor can offer ways to build that bridge.
Before the economy is fully back on its feet, a financial advisor can review your portfolio, help you make adjustments to compensate for any lost ground, and point you toward a path forward.
For more information, including helpful videos, podcasts, and reading materials, go to www.johnsonbrunetti.com. To schedule a free 15-minute consultation with a member of the Johnson Brunetti team, register online or call
1-800-208-7233. But whatever you choose to do, do something. Don’t be afraid to act to secure your future and that of your loved ones.
DISCLOSURE: Investment Advisory Services offered through JB Capital, LLC. Insurance Products offered through JN Financial, LLC. Johnson Brunetti is a sponsor of WCVB Better Money Boston.
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Everyone’s risk tolerance has been tested by COVID-19. But now that you’ve weathered the brunt of the downturn, Johnson says it’s important not to be complacent. We are in still in some uncharted territory. So Johnson recommends a “reset” – not changing around all your investments, not selling out, but carefully examining whether your current investments are aligned with your short, medium and long term goals. A good financial advisor will help you explore your options.
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