Bert Arriaga
Personal Retirement Advisor


These are all valid questions, and in fact, questions you should be asking.

While planning for the future may seem like a daunting task, and one loaded with too many options—far too often, people think they have time, and fail to prepare adequately. Additionally, earning a fortune does not guarantee that you will have enough money to fulfil your plans.

What are your plans?

Everyone has plans. Some held close to their hearts, others more openly shared. It might be college, an extra degree, a house by the sea, overseas travel, writing a book, early retirement. But how will you ensure, that you have the means to do these things? Is saving enough? How much money will you need to save for your future plans, and a comfortable retirement?

What group will you be in?

Statistically, only 5 out of every 100 people, will retire with enough income to live independently, with dignity, and peace of mind.

By the age of 65, out of 100

1 . . . . . . . . . . . . . . was wealthy
4 . . . . . . . . . . . . . . had an income
5 . . . . . . . . . . . . . . were working
16 . . . . . . . . . . . . .. had died
76 . . . . . . . . . . . . . were dependent


When should you start?

What you need is a well thought out plan—one that is built around your needs. Think about the lifestyle you would like. How you would like to your plans to unfold. How you would like to retire. How much money will you need to ensure that? What
about inflation? Specialists in the field suggest 80% of your preretirement salary, adjusted for inflation—but based on your goals, your income needs may well be different

Who should you speak to?

Now-a-day's there are so many companies and agencies out there, that the options can seem overwhelming? Will they have your best interest at heart? What about flexibility to fit your personal plans? What is best for you? Simply put, financial institutions are more restrictive, have daily margins to reach, and provide generic plans, to cover the
general populace. With something this important, you need a personal retirement advisor, someone who will work with you to build a plan that fits your needs and goals.

What you can do?


  • TALK TO YOUR friendly personal financial adviser
  • Avoid credit card debt
  • Track your expenses, and spend within a monthly budget
  • Build and keep a three to six months buffer of emergency
    money for living expenses, in a short term account
  • Contribute as much as you can to your 403(b), 401k, or 457
    (tax deferred) plans
  • Save outside of emplyer-sponsored plans—for example,
    open an IRA (individual retirement account)
  • Consider long-term savings options, like buying a home

Contact me today!

Bert Arriaga
Personal Retirement Advisor

Because your future is personal!

Additional services

Medicare Health Plans
403B for Teachers/Educational support staff/
Custodians etc.