Pending economic strain on the Social Security system, together with the reduction in employer benefits brought on by increasingly complex retirement planning tax laws, there has never been a more critical time for individuals to assume more responsibility for their own retirement planning funds. For this reason, the best time to start planning is today.

Time is the most valuable commodity in planning. Most people are unaware of the impact a small investment made each year can have toward achieving their long-term objectives. It's impossible to make up even one year that you wait to start saving - so start now, even if you save a smaller amount than you would like.
"Has your estate plan been updated since the 2001 Tax Act?"