Don Martin, CFP offers independent retirement financial advice near San Jose, CA. The company offers fee only financial planning and investment advice with no commissions. Don Martin is a NAPFA registered fiduciary fee only financial planner and investment advisor.
Independent advice is important because it means that when you work with an independent fee only advisor then there is no sales pressure to buy financial products and there is no gigantic corporation with big layers of expenses that is requiring its employees to sell you expensive investment products.
When a person wants to retire they need to know if their money will last them through 35 years of retirement. They need to know what is a reasonable amount to spend down each year without running out of money. They may desire to understand the diference between investments with reasonable risk, versus investments with conservative risk versus excessively risky investments.
A retiree may need to know if they should buy an annuity, invest in bonds, invest in stocks and many other questions.