The Leader-Herald/Bill Trojan Certified financial planner Neal J. Solomon of Solomon Associates works on client information on his computer at his office in Gloversville Jan. 10.

With sound financial planning, smart decisions and discipline, anyone looking to retire can do so.


Retirement planning, as a subset of overall financial planning, is about choices, says Neal Solomon, a certified financial planner who works in Gloversville.


“It’s first about setting goals and objectives, and thinking about what you want to accomplish in life in general,” he said.


If one of those goals is retirement, and you have yet to begin planning and saving for that eventuality, Solomon says you’re already behind schedule.


“It comes up faster than you imagine,” he said. “What retirement planning is about for young people is beginning to save money. The older you get when you start, the harder it is to catch back up. I’ve got people with $1 million portfolios that started by putting away $25 or $50 a month.