The best time to start planning for retirement is today. While beginning your plan early may put you in a better position in the long run, it's never too late to start.

Perhaps you have built a strong financial foundation and are continuing to build a portfolio that reflects your personal goals, budgets, and timelines. Effectively managing your plan will help ensure your savings remain on track.

Maybe you have reached the point in life where you are enjoying your plan. You're retiring and the nest egg you've built is your primary source of income.

Wherever you are in life, we take the time to look at your situation through your eyes. The result is a personalized investment strategy designed just for you. Let's start on the path toward reaching your future goals.

How much will I need to save for retirement?

Retirement might be the furthest thing from your mind right now. After all, you may have just landed your first big job. In fact, your life is probably full of firsts and new beginnings. Perhaps you're getting married, have bought your first home or are ready to start a family. You're busy building a life for the ones you care about most. While you enjoy the present, we're here to help you plan for your future.

Am I saving enough?

As retirement nears, you may be questioning if you have saved enough. Or even when you can retire with the current path you're on. It's no wonder. You may be paying for your child's education or wedding. Perhaps the time has come for you to take care of your parents. You're busy managing the life you've built for yourself and the ones you care about most. While you take care of those near and dear, we're here to help ensure your retirement plan remains on track.

How do I make my savings last?

Retirement has finally arrived. Maybe you're pursuing a hobby, traveling or spending your days with loved ones. Now is the time you're enjoying your hard earned savings. As one of your primary sources of income, it's important to ensure it lasts through your retirement years. We're here to help you make the most of your savings and your investments.

For more retirement resources, visit the following sites:

Important Consumer Information

A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator. Registered Branch: 620.342.3454.

*Securities offered through SagePoint Financial, Inc., member FINRA/SIPC. Certain insurance products offered through ESB Insurance & Financial Services, which is not registered as a broker-dealer or investment advisor. ESB Insurance & Financial Services and ESB Financial are not affiliated with SagePoint Financial, Inc. Securities are not FDIC Insured, not guaranteed, and may lose value. 

This communication is strictly intended for individuals residing in the states of Kansas, California, Colorado, Illinois, Nebraska, Missouri, Oklahoma, South Carolina, Indiana, Iowa and Texas. No offers may be made or accepted from any resident outside the specific state(s) referenced.