Late Career (Ages 45-54)

Maximize Savings

• Tackle any unchecked items from the earlier career stages

• If you have children in high school that will be attending college, understand the college financial aid process and what affects the financial aid formula

• Add a complete estate plan (i.e., health care directive, power of attorney)

• Continue to build savings outside of your retirement accounts

• Increase your emergency savings over time to cover larger needs