Kinetic Financial Reveals the Top Three Retirement Planning Tips

Leading Los Angeles Financial Planning Firm Empowers Americans to Confidently Plan for Retirement

LOS ANGELES - September 23, 2019 - (

​​​In honor of National Senior Month, Kinetic Financial, a concierge-based financial planning company in Los Angeles, is sharing its top tips for retirement planning in 2019.  

More than half of Americans are falling short when saving for retirement and as many as 20 percent aren’t saving at all. However, retirement planning does not need to be as complicated or out-of-reach as many believe it to be. To help set the record straight (and to inspire Americans to plan a little smarter), Ali Hashemian, president of Kinetic Financial, CERTIFIED FINANCIAL PLANNER® professional, Chartered Financial Consultant®, and the bestselling author of Overtaxed: Six Powerful Tax-Free Investment Strategies, is revealing three powerful tips for retirement planning:

1. Plan for the worst and hope for the best. When planning for the future, as one does for retirement, there are a fair amount of assumptions that must be made. That is why it is extremely important to stress test any retirement plan to ensure it can stand up to any unpredictable events, such as a market recession, taxes increases, and added healthcare expenses. This will help retirees comfortably deal with unforeseeable financial concerns.

2. Account for inflation in expenses. Not only does one need to include adjustments for inflation, but they should also account for certain expenses inflating at different rates. For example, healthcare expenses increase at nearly twice the rate as consumer goods. Not to mention, as people age, their need for healthcare increases as well. On the other hand, vacation expenses should account for inflation of costs but will most likely decline or disappear as the retiree ages and does not participate in extensive travel.

3. Create a retirement plan with flexibility. The only thing certain when it comes to retirement planning is the fact that things will change. Most people plan to spend 10, 20, or even 30 years in retirement. That is why it is so important to build in contingency plans for various financial scenarios. The right financial planner can assist in identifying any blind spots in the plan, such as changing tax environments or fluctuating markets. They can also help with monitoring and adjusting the plan to keep goals on track.

“Many people avoid retirement planning the same way people avoid life insurance or long-term care planning. They think it is a daunting task and even a little scary. However, it doesn’t have to feel this way. In fact, it can be an extremely positive experience when done correctly,” says Hashemian. “Retirement is the realization of success by doing what you want to do when you want to do it. Many retirees create a huge impact on businesses through consulting, on charities and communities by volunteering, and on their families by creating a legacy.”

To learn more about Kinetic Financial and its services, please visit

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