I don’t have to remind you that pretty much everyone is uneasy as they transition into 2021. The uncertainty over COVID-19 that has persisted for the past year as well as the presidential election has brought up new concerns for most people.

In fact, more than 140,000 U.S. works lost their jobs in December 2020 (just last month), likely due to economic fluctuations and restrictions stemming from the COVID-19 pandemic. And with Biden’s inauguration just last week many Americans and investors fear change in economic policy.

All these factors have led to many taking a serious look at their finances and are considering their long-term financial goals. Those in the Accumulation Phase have been impacted the most. What is the "Accumulation Phase?" We describe this as the period for individuals who are:

• Age(s) 36 to 55
• Have an income of $150,000+
• Are interested in saving for retirement.

Let’s go over a couple problems and concerns these individuals face and discuss our Top 3 strategies we have compiled, which may mitigate these concerns.