It?s not too soon to think about retirement planning. A career can fly by in a flash, especially one spent in service to others, such as education or health care. But studies show that one in five people who are nearing retirement age have no money saved. It?s not always easy; even with a job that provides a retirement benefit package, there are 20% of full-time government workers are not participating in a plan. In fact, recent studies by the U.S. Bureau of Labor Statistics show that only 53% of the civilian workforce has a retirement plan.
But participating in a 401(k) or 403(b), although it is the most common savings vehicle and used by 44% of the people asked in a recent survey, is not the only method of preparing for your post-career life. Investing your finances with the help of a financial