It's never too early to start saving for retirement -- and never too late.

Starting early is better. You'll give your retirement funds more time to potentially grow and hedge your savings against future upsets. One study found that six out of 10 people in their 50s and 60s experience a job loss, illness or other income-shattering calamity. (See "The hidden threats to your nest egg.")

Who better to counsel an individual about their financial future than their tax professional? Our staff and associates have the proven financial services skills to develop a custom program that fits each individual's goals and aspirations. Through our affiliations we have access to a vast array of services, benefits, and a wide resource list, which includes mutual funds, stocks, bonds, annuities and insurance products. This includes an automation system that gives us 24 hour access to on line market data, account information and order entry capabilities.

If you need even more incentive to save, consider this: Though most workers feel confident about their retirement, many don't have enough money set aside to pay for it.

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