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b'April 25, 2022 on ForYourBenefit, host Bob Leins, CPA\\xae welcomes Joe Sullender, CFP\\xae, to talk about strategies for late savers.\\n\\nThe basic tenets are:\\n\\nIt is never too late to develop a plan\\nYou likely still have a long-term timeframe\\nDo not worry about what you have and have not done in the past\\nStrategies to consider:\\n\\nOften later in life we have more clarity in our goals\\nThe opportunity to retire from Federal service and work elsewhere, banking the annuity (hyper-saving)\\nTime is of the essence \\u2013 Act swiftly and avoid further delays\\nFor questions or comments, email us in advance at ForYourBenefit@nitpinc.com'