She says the message that advisors should stress is taking the first step.

“One of the most important things you can do is to start saving when you can right now,” Ward says. “Once you get started, you can work toward savings when you’ll need to fully fund your retirement.”

Brodsky agrees. He says this is the same message that advisors should send to clients or anyone needing help.

“Ideally, he argues, “save some of your income before it ever hits your normal bank account by routing part of it to a 401(k) or savings account. That way, you’re not tempted to spend the money and you’ll start saving without realizing it.”

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