I'm Lorenzo Hardy
Independent Financial Adviser for 12
years.Licensed by the National Association of Securities Dealers, the Securities and Exchange Commission as a Registered Investment Adviser on the federal level.

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For many Americans, retirement translates into freedom: You’re finally free from the “daily grind” The days of getting up to the buzz of an alarm clock, rush hour traffic and dealing with troublesome bosses, co-workers, suppliers, or customers. You finally have all the time you want to relax, travel, visit friends and relatives, or pursue hobbies such as golfing, gardening, reading, or sewing. You might even start a new career. At last, your time belongs to you and you alone.

But the thought of retirement also can be stressful. The realization that you’re not going to a job every day can create perceptions of uselessness, isolation and lack of worth. The thought of having to live without the familiar paycheck also can produce financial stress and penny-pinching. How do you reduce that stress? It all boils down to this; you can reduce or even eliminate the anxiety through self-education and financial planning.

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