Retirement planning is often perceived as more complicated than it needs to be, but working with a financial advisor can help break it down into manageable steps. Many people rely on their employer for retirement planning, but this may not be the best option as employer plans often have limited options and lack comprehensive strategies. Engaging a financial advisor is crucial, especially for individuals with significant assets, as they can provide personalized advice and help navigate complex financial decisions. Cost should not be a deterrent, as advisor fees are typically 1% per year with no additional transactional costs. It is important for individuals to overcome hesitations and seek professional guidance to ensure a secure retirement.

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