Planning for Retirement? Financial Consultant Kari Middleton with LPL Financial explains all.
In this interview, financial consultant Kari Middleton advises couples and individuals on retirement planning. She emphasizes that it’s never too early to start saving—any regular contribution compounds over time—and that it’s never too late to begin, urging late starters to maximize contributions immediately. For self‑employed people, she outlines affordable retirement plan options and notes that offering modest benefits to employees can enable larger tax‑sheltered savings. She explains that the IRS permits spousal IRA contributions even when one partner isn’t working, highlighting the benefit of deferred growth. Finally, she reassures listeners in their 50s that retirement isn’t out of reach, but stresses that earlier and larger contributions will increase future income. Throughout, she encourages proactive, maximized saving strategies such as maxing out 401(k) plans.
