The Home Stretch: Seven Things You Need To Do in the Decade Before You Retire

Presented by: Keith Hardy, Wealth Management Advisor

Are you as prepared for retirement as you'd like to be?

With longer life spans, increasing health care costs and the diminishing role of traditional pensions, planning for retirement is more complex than ever.

Choices made during the final decade of your career can deeply impact your retirement plan.

Join our webinar to learn more about:

• Timing your retirement and determining how much savings you need
• Maximizing your retirement savings strategy now and what to do as you approach retirement
• What to expect from Social Security and how to build a retirement income stream
• Factors, other than money, that can have a considerable effect on your retirement

Selecting "Register Now!" button will redirect you to ConstantContact.com to register.

All financial decisions and investments involve risk, including possible loss of principal. Investing in a Franklin Templeton fund does not guarantee one's retirement income needs will be met. Franklin Templeton is not affiliated with or endorsed by LPL Financial or Kirtland Financial Services.

Investors should carefully consider a fund's investment goals, risks, charges and expenses before investing. To obtain a summary prospectus and/or prospectus, which contains this and other information, talk to your financial advisor, call us at (800) DIAL BEN/342-5236 or visit franklintempleton.com. Please carefully read a prospectus before you invest or send money.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Kirtland Federal Credit Union and Kirtland Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Kirtland Financial Services, and may also be employees of Kirtland Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Kirtland Federal Credit Union or Kirtland Financial Services. Securities and insurances offered through LPL or its affiliates are: