No matter your age or current income, you likely hope to eventually get out of the rat race and retire someday. Yet, according to one survey, a majority of Baby Boomers do not feel certain that they will have enough money to stop working. On the other hand, a study from the Insured Retirement Institute (IRI) found that those who consult with financial advisors are twice as confident in their ability to retire.

Many people make the mistake of thinking that financial planners are only for the very old or very wealthy. However, planners exist who can work with you no matter your current income or age. Remember that the earlier you start working toward your retirement plans, the more likely you are to meet them. A good professional advisor can help you develop a road map to get you where you want to go and arrive there on time.

If you do decide to work with a financial planner, it is important to find one that you trust. Mike Lenz, 47-years-old, tells USA Today that he found three potential candidates and then interviewed them separately before making his final choice.

“It’s kind of like buying a house,” Lenz tells the newspaper. “Don’t necessarily go with the first person you talk to.”

It’s important to plan for the future, but it’s also crucial to try and account for any unexpected tragedy. Whether you hope to retire in the next five years or plan to keep working for the next three decades, it is vital that you also have any type of life insurance policy in place to care for your children, spouse and anyone else who depends on you financially. If you are looking for coverage, get a quote from Local Life Agents today.