Hello, my name is Chad Taylor. Managing partner with MDT financial advisors here in Houston, Texas. When it comes to your retirement we believe you should take your life in play in your money around it. In other words, first figure out where you are now, where do you want to be in the future, and what your goals are. And then create an investment plan to help achieve them. 

To do this, it helps to define and prioritize your retirement goals. And then determine how you should be invested so that you can work toward the goals that are most important to you. We will be hosting a free dinner seminar. We'll be discussing retirement planning challenges and perils that you may face when you work towards achieving your retirement goals. 

Some of those challenges include health care costs. Did you know a couple retiring in 2015 with Medicare needed $157,000 in savings to have a 50% chance of covering health care costs during retirement? Also, only 48% of workers have tried to calculate what they'll need to save to maintain a comfortable standard of living during retirement. 57% of workers report less than $25,000 in total savings and investments. 31% of workers expect social security to be a major source of retirement income. 

More than 25 million Americans age 60 or older are considered economically insecure. And finally, 46% of retirees reported that they had to retire earlier than they expected. So please join us if you're thinking about retirement issues. Although the dinner seminars is free of charge, seating is limited. So please contact us today to reserve your seat. Thank you, and have a great day.