Seems lately I’ve been talkin’ to a buncha folks in their mid-late 40′s and older. They’re wondering exactly how the heck the retirement they’ve been saving and investing for can possible happen. Many have still not fully recovered from the 2008 stock market plunge. What most of ‘em have in common is a degree of worry.

I’m here to tell you what I’ve told so many of these callers.

• It’s surprising how often folks are in better shape, with more options than they thought. Think: Answers to questions they never knew to ask.

• Like most of us, they become apprehensive when overwhelmed with what they sometimes perceive as a mountain to high to climb. There’s no mountain that high. There, I said it.

• Almost to a person, they had enough capital, assets, home equity, stocks, yo-yos, whatever, to make a respectable start, or begin to correct poor and/or uninformed decisions.

• They serious as a heart attack about retiring well, and before their kids are old enough to retire. I kid, but that’s what one of ‘em said she feared most — working till she simply couldn’t do it any longer.

If all this is hitting you between the eyes, please don’t feel like the Lone Ranger. You’re not — there are legions just like you. There is hope — not Kumbaya hope — but hope based in reality.

One thing ya gotta do first though. Ya gotta take that first step, whatever you decide that might be. Nothing happens without that initial action. It takes courage, more than some surmise.

Eat the elephant one bite at a time. It’s work, and it might take awhile, but it’s the kinda work that’ll get you outa work later on.

For lack of a better description, we’ll call that time of your life, retirement.

Call me at 619 889-7100 and we’ll work out a Purposeful Plan for your retirement together. Worst case? It’ll be better than where you may be headed now, right? Gimme a call, I need a fix. Have a good one.