FINANCIAL SERVICES Q: What are the biggest mistakes retirees make? A:Unfortunately, some retirees simply don't have a financial strategy, which can lead to over-spending or under-spending. Ironically, many newly retired workers are too conservative. Our experience has been that some retirees should spend more money in the first few years of retirement and enjoy their health and high energy. They also have a backlog of "to-dos" that they have been desiring to experience like travel, golf volunteer work, or even a second career Often we fina that unless prompted to start enjoying life, some retirees settle into an attitude of "we have to save the money for later" Securities offered through LPL Financial. Member FINRA/SIPC. North Oaks l FINAN CIAL SERVICES MARK N. MILLER 1255 Gun Club Road White Bear Lake, MN 55110 Office: 651-998-9822 info@northoaksfs.com www.NorthOaksFS.com ASK THE EXPERT WE WANT YOUR ADVICE! Call or Email Leanne Swanson: (651) 407-1223 northoaks@presspubs.com