What do you plan to do in retirement? If you don’t know, you’re not alone. Kathy Armstrong, a Financial Planner at Heritage Financial Consultants, discusses the importance of envisioning retirement goals in her Baltimore Business Journal column, “A Retirement Vision Is Key to Figuring out How Much You’ll Need”.

Once you know your goals for retirement, you will be able to develop your financial plan to meet these goals. If you’re behind in savings, Kathy recommends:

• Contributing the maximum amount to your retirement plan
• Diversifying your portfolio
• Reviewing debt
• Pushing back your planned retirement date

Kathy Armstrong is a CERTIFIED FINANCIAL PLANNER™ professional at Heritage Financial Consultants and specializes in providing financial planning and investment advice to individuals and families. Kathy Armstrong is a registered representative of Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Heritage Financial Consultants is not an affiliate of Lincoln Financial Advisors.

To read Kathy’s column in the Baltimore Business Journal for more information, click here. For access to the Baltimore Business Journal, readers will need to be subscribers.