In the past, retirement used to be constructed like a 3-legged stool with pension, social security and savings. But in today’s environment many companies are doing away with pensions and social security is being delayed, taxed or potentially reduced! This is requiring consumers to save more now to ensure that they will have a sufficient cash flow for retirement down the road. Join me today for an exciting, but a little scary discussion, on why you will not be able to rely on social security to fund your retirement needs. My guest, Barbara Seaman is an independent holistic financial planner with Cornerstone Financial Group LLC (http:// www.cornerstonefinancialbend.com). She has over 28 years of experience helping her clients navigate and increase investments by reducing or eliminating taxes, and maximizing their social security and Medicare supplements. In addition to experience as a retirement professional, Barbara has experience in retail management, as a business owner, and a business instructor at a local community college. With this kind of experience in your corner…You’re In Great Hands! For more help in determining a budget or tracking your expenses, check out my home buyer education information here (http://www.karensimpsonhankins.com/shop/book/)! To find out how to get a credit readiness review or begin your home buying journey, contact me (http://www.karensimpsonhankins.com/coaching/) today! Knowledge is power! Take back your control and put yourself in the driver’s seat! Required disclosures: Representative is registered with and offers only securities and advisory services through PlanMember Securities Corporation, a registered broker/dealer, investment advisor and member FINRA/SIPC. 6187 Carpinteria Ave, Carpinteria, CA. 93013, (800) 874-6910. Cornerstone Financial Planning Group LLC and PlanMember Securities Corporation are independently owned and operated. PlanMember is not responsible or liable for ancillary products or services offered by Cornerstone Financial Planning Group or this representative.