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V O L . X X V N O. X M AY 1 3 , 2 0 1 9 26 "Unfortunately, that's a slow pro- cess," Gray says. "People work hard for their money, but once they have it, they may not pay attention to it. A lot of people just say, 'My employer will take money out of my paycheck and stick it in this fund.' Employees have to realize how valuable that money is, and that it needs to keep working after they receive it." Education helps employees under- stand the importance of investing and overall financial planning, Gray says. "Sometimes it takes a little prod- ding," says Gray. "It's not easy for young employees to think along the lines of retirement when they're 32. Once they cross that 40-year-old mark, they're more serious about it." Education is even more important in today's work environment, where people tend to jump between jobs a lot more. "It's five years here, five years there," Gray says. "Suddenly, an employee can have multiple 401(k)s. We show them their options. A lot of them don't realize they can roll an old 401(k) into their new one, which may result in better opportu- nities and easier management." "It's got to be hands-on — email blasts, letters with their paychecks," says » C O N T I N U E D F RO M P R E V I O U S PA G E HOW TO ACHIEVE YOUR RETIREMENT LIFESTYLE GOALS Baby Boomers on the Move Whether you are looking to relocate to warmer climes, moving into town to take advantage of a wider variety of activities, or just looking to downsize your life, there are many things to consider when moving. We've built a comprehensive list of tips that you may want to explore before taking the leap. To read the rest of this article, download a free retirement planning checklist and learn more about planning ahead for your retirement: Visit: BerryDunn.com/Retire Securities offered through Commonwealth Financial Network, Member www.FINRA.org/ www.SIPC.org. Investment advisory services may be offered through Commonwealth Financial Network, a registered investment adviser, and/or BerryDunn Wealth Management, LLC, a Maine and New Hampshire licensed investment adviser. Advisory services and fixed insurance products and services offered by BerryDunn Wealth Management, LLC are separate and unrelated to Commonwealth. 100 Middle Street, Portland, ME 04101. 207-541-2200 F O C U S P H O T O / T I M G R E E N WAY The powder coat paint application area at Futureguard.