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Gelinas Financial Group, Inc.

LISTEN, UNDERSTAND, RESEARCH, HELP. Money management has a new reality. Financial-planning efforts must consider “the whole client.” We offer a multi layer approach that starts with education. We strive to gain your trust then deliver the results you seek. At Gelinas Financial Group, Inc., our passion is supporting our clients by adding value: You need information to make correct decisions. We’ll help you achieve higher levels of success and better process management through cutting-edge solutions, training, mentoring, and continuing education. Our objectivity and independence mean you get the financial-planning and risk-management solutions that meet the unique demands of your present situation. We offer our expertise in the following areas: Financial Planning Retirement Planning Insurance Investment Coaching Annuities More Hope is not a strategy. We meet with our clients regularly to scrutinize their investments and make adjustments.

You Need More than Social Security to Live Well in Retirement

Shawna Kreis Shawna Kreis , 11/5/2014
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Gelinas Financial Group, Inc., GA, Fixed AnnuitiesDo you really think that your monthly Social Security check will provide enough income so when you retire you will be able to pay all of your bills? Well maybe you can if you move to a smaller place, stop going out to eat, and don't travel any farther than to your doctor's office. Don't be forced to downgrade your lifestyle because you failed to plan for retirement. Living on a fixed income that hardly keeps up with inflation is a struggle millions of older Americans face every day. If you don't want to worry about money, or the lack of money, during your Golden Years, be proactive and do something about it today to secure your financial future. In order to have money tomorrow, you need to start saving today. If you already have a 401K retirement plan through work, you are off to a good start. Many employers match the funds you contribute up to a certain percentage of your income. If this is the case, you should absolutely take advantage of the "free money" you receive and participate in your 401K plan at least up until the amount of the employer match. If you like the mutual funds or other investment options of your 401K plan, you should think about fully funding the tax-advantaged account. Well, what happens if your investment options with your employer-sponsored retirement plan are limited and you don't feel comfortable investing in any of the available choices? As long as you have earned income, you can always open up a standard IRA or Roth IRA. Either type of personal retirement account allows you to choose the way you want to invest. It is never too early or too late to start saving for retirement. Starting early allows you to take full advantage of the power of compounding. If you have not been diligent about saving for retirement, you can catch-up by contributing the maximum allowable amount to your retirement plan or plans.