Accountants Advertising Air Conditioning Airline / Aircraft Animated E-cards Antiques Apartments Appliances Appraisers Architects Art Assisted Living Associations Attorneys Auctioneers Auto Body Services Automobiles Auto Upholstery / Interiors Awnings / Canopies Bagels Bakers Balloons / Novelty Banks Banquet Facilities Barbers Bathroom Remodeling Beauty Salons Bed & Breakfast Beverages Bicycles Boats Bookkeeping Books / Cards / Baskets Bridal Shops Builders / Home Burglar Alarms / Systems Buses Business Brokers Business Consulting Cabinets / Cabinetry Car Dealers Careers / Job Services Carpenters Carpets Caterers Cellular Child Day Care Chimney Sweep Chiropractors Cleaners Computers Concrete Contractors / Construction Copying / Duplicating Country Club Craft Gallery / Supplies Credit Unions Dance Delicatessens Deck Maintenance Dentists Doors Drapery / Curtains Electricians Electronic Repair Employment Agency Engineers Exercise / Fitness Clubs Fences Firewood Flags / Banners Floors Florists Formal Wear Food Meats / Seafood Furniture Garage Doors / Openers Gifts Glass Golf Gourmet Spices, Baskets Gutters / Downspouts Gymnastics Hardware Health / Fitness Hearing Aids Heating Hobbies / Hobby Supplies Home Improvements HVAC Image Consultants Income Tax Preparation Insurance Interior Designers Internet Services Investment Planning Janitor Services Jewelers Kitchens / Baths Laboratories Landscaping Lawn Care Lighting Limousine Locks / Locksmiths Martial Arts Masonry Massage Medical Equipment / Supply Miscellaneous Listings Money Transfer Service Mortgages Motels / Hotels Motorcycles Moving / Movers Music Nails Networks / Systems Newspapers Notaries Nurses Nursing Homes Nutrition / Diet Office Supply / Equipment Oils Optometrists Painting Party Supply / Rental Patios / Porch / Deck Paving Payroll Services Pest Control Pet Supplies / Grooming Pharmacy Photographers Physicians Picture Frames Pianos / Organs Pizza / Pasta Plumbing / Plumbers Podiatry / Podiatrists Pools Pressure Washing Printing Radio / TV Stations Radon Testing Real Estate Rentals Resorts / Vacations Restaurants Retirement Planning Roofing / Roofers Rubber Stamps Rubbish Removal Screen Printing / Signs Security Systems Self Storage Senior Citizen Care Services Septic Tanks Siding Skincare / Rejuvenation Spa / Hot Tubes Stock / Bond Brokers Tailors Tanning Salons Telecommunications Therapists Tire Sales / Service Towing Transmissions Travel Tree Service Truck Rental Veterinarians Wallpaper Water Web Design / Hosting Wedding Supplies / Services Windows Window Treatments Winery / Vineyards Lehigh Valley: Arts Churches Coupons / Specials Libraries Museums Pennsylvania Lottery Schools Weather Zip Codes

William P. Trembler www.billtrembler.com

Financial Representative Lincoln Investment Planning Registered Investment Advisor Broker/Dealer Member NASD/SIPC One East Broad Street, Suite 440 Bethlehem PA 18018 (610) 691-6800    (800) 314-4828 Extension 5274 Fax - (610) 691-8735

• Personalized retirement counseling • Risk management • Advisory services • Estate planning

Retirement Planning     Retirement planning is very important for everyone because we all need to allocate our finances for our eventual retirement. This retirement plan normally means that we need to set aside money or other assets to obtain a steady income at retirement. The goal of retirement planning is to achieve financial independence when we leave the day-to-day workforce. Everyone really should sit down with a financial planner to asses their financial situation and what finances they will need for their retirement.     Two common methods that many people employ to save for their retirement planning are individual retirement accounts (IRAs) and 401(k)s. The different types of plans have different features, but most of them allow you to defer taxes on the money you save and the returns you earn within the account. If your planning for financial independence at retirement time is strictly Social Security and / or a traditional employee pension plan you might want to consult a financial planner. Most professional retirement planners will tell you that you will need to factor in other sources of income for retirement. You need to start planning today for generating additional income for retirement. You never are too young to start saving for retirement because the sooner you begin saving money, the more time your money has to grow.     A good financial planning tool for you to use to determine your savings target for retirement is to use an online calculator. The calculator can help you figure out how much money you should accumulate and how much you must set aside to reach your targets for retirement. Remember to update your calculation each year to determine if you planning is on target for your retirement.