The best time to start planning for retirement is now, regardless of your age. The earlier you begin, the more time you have to build your savings, make informed investment decisions, and adjust your plans as your life and the economy change. Starting in your 20s or 30s can significantly impact the growth of your retirement funds due to the power of compounding interest. However, it's never too late to start planning. Every step taken today can help secure a more comfortable retirement.

Absolutely! Ready 2 Retire is designed to assist individuals at any stage of their retirement planning journey. If you're close to retirement, the guide offers valuable insights into optimizing your current savings, making last-minute adjustments to your investment strategy, and planning for income distribution in retirement. It also provides guidance on health care planning, estate planning, and other considerations that are crucial for individuals nearing retirement.

Ready 2 Retire recognizes that everyone's financial situation is unique. The guide is structured to provide flexibility in its approach, allowing you to tailor the advice and strategies to fit your specific circumstances. It includes a range of scenarios and solutions to cater to diverse financial backgrounds and goals. Additionally, the guide encourages personal reflection and customization of your retirement plan, ensuring that you can adapt the strategies to meet your needs. If your situation is highly unique, the guide can serve as a starting point, and it may be beneficial to consult with a financial advisor for personalized advice.