Englewood, New Jersey – There’s really no magic to planning for retirement.

“Our philosophy to wealth creation involves a proper mind set, literacy, and discipline, while forming a long-term collaborative trusted relationship with clients” said Jason Blumstein, CFA®, and founder of Julius Wealth Advisors, LLC, (www.juliuswealthadvisors.com) a financial and investment advisory firm “It all starts with education and the acknowledgment that there is no magic elixir.”

The formula is perfectly understandable. The earlier you start, the more you’ll amass in preparation for retiring.

“This involves the discipline of putting something into an account on a regular basis that helps pay for your future self,” said Blumstein. “As people make more money, they can put more into the account. The key is starting – and starting now.”

Unfortunately, Blumstein has seen many people who started late in life on this path toward retirement. He gives them the same advice.

“It’s never too late to start,” he stressed. “You can’t be discouraged or overwhelmed by this situation. Once you start the process, you’ll be encouraged by the progress as your retirement fund grows.”

But, planning for retirement requires much more than simply putting money into an account. Blumstein continually educates clients on other issues related to retiring. Some include:

1. The recognition that people are living longer
2. Increasing health care costs
3. Many people are working when they retire. Is this your plan?
4. The importance of understanding your spending habits and how that impacts your retirement
5. The importance of continually analyzing, allocating and re-balancing your assets as a way to manage risk.

“We all tend to be creatures of our past, so it’s important for us to recognize that as we move forward,” he said. “With this information, we’ll present the pros and cons of various strategies and how they fit into a customized long-term financial plan that can lead to retirement.”

Blumstein’s plans are customized to each client’s unique circumstances. The process involves:

- A philosophy guided by the principles of Warren Buffett and Jack Bogle which emphasizes owning high-quality assets for decades, not days, while seeking downside protection and controlling the drag of cost and taxes.

- Research and invest in assets that exhibit certain quantifiable characteristics that have been demonstrated to deliver more favorable long-term, risk-adjusted returns – not every time, but over time.

- Ascertain an investor’s needs, ability and willingness to own a business. The goal is to personalize a solution that meets unique situations, allowing the clients to stay the course with long-term peace of mind

Throughout the process, Julius Wealth Advisors, LLC, (www.juliuswealthadvisors.com) places a premium on relationships with clients who look to the firm for guidance during good and difficult times.

Julius Wealth Advisors, LLC, is built on three pillars -- integrity, knowledge and passion. The firm’s services include behavioral coaching, financial planning and investment management.

“Unlike the typical financial and investment advisor,” said Blumstein, “we believe in offering more than just numbers on a quarterly report. We are here to help you identify long-term financial goals and create a tailored plan to achieve them. Plus, we offer behavioral coaching to support better decision making in the future.”

Blumstein also points out these plans change as lives and personal situations change. These can include marriage, becoming parents, an illness, a divorce, career change, and ultimately financial freedom. Regardless of these situations, Julius Wealth Advisors, LLC, stresses the disciplines necessary to reach any of these goals.

For More Information :- http://www.juliuswealthadvisors.com/