Our goal is to assure that our clients’ financial portfolios are balanced and aligned with their future goals. As educators and providers of financial products we make it our core business to execute our client’s financial goals. The retirement benefits landscape is changing. Many employers are no longer offering pensions to new employees and retirees are living longer, health care cost continues to rise and social security changes are steadily approaching. These aspects of our current financial environment have made it increasingly important for employees to take accountability for their financial future. With these changes to retirement benefits financial planning has become more important than ever. Individuals are now responsible for managing and growing their portfolios for retirement. In doing so, they must strike a difficult, yet essential balance. On one hand, being too conservative will not grow their portfolio enough; however, if they are too aggressive they risk becoming vulnerable to market downturn. Balancing the risk is where OnPoint Financial Retirement can help.