Page 6 - Financial Solutions for the 21st Century
P. 6

 WHAT IF WE FAIL?
Generation X could be the first generation since the depression to face the possibility of retirement without any of the three safety notes of the previous generation:
SOCIAL SECURITY
At current rates, there could be insolvent by the year 2035.10
PENSION BENEFIT PLANS
Less than 5% of private sector companies offer a pension plan.11
PERSONAL SAVINGS
In 2017, the average American saved about 5.4% of their income, compared to Germany at 9.8% and Spain at 11.78%.12
 WHAT ARE TWO OPTIONS?
Work beyond age 65.
Build your own Financial Independence Plan.
THE HGI SOLUTION
Financial independence is nothing more than a pool of money large enough to produce an income stream to pay your bills and meet your needs.
HOW?
Define your goals and time horizons. Our Associates can help to identify the right financial strategies and products to fit your needs. Once you have an established Financial
Independence Plan, follow it.
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