LUBBOCK, Texas, Sept. 11, 2012 /PRNewswire/ --If you started retirement planning early in your career, it's good news by the time you hit your 40s.But for those 40-somethings just thinking about retirement it's like halftime in a football game.

Since football season is upon us, we'll use the gridiron analogy. Let's face it; working in your 40s really is like halftime in the big game. Your career is about half over, and it's time to stop the game, assess where you are and make any necessary adjustments to your plan. You have 20 years of work behind you, and roughly 20 years of work ahead. If you haven't been saving for retirement, it's time to get started. If you've been socking money away for years, then it's a good time to reassess where you are, and what you need to do over the next 20 years.

"Now more than ever, it's important to have both an offensive and a defensive game plan," said Brian Pitaniello, a partner with PFG Advisors. "In your 40s, you still need to have an offensive strategy to continue building dollars for the future. On the flip side, a defensive strategy is still just as important to have in place for the possibility of premature death, disability, economic crises and other unforeseen financial needs.

"Just like any football game, you have to have that half-time 'locker-room talk' about preparing for the worst but hitting the field with the mentality and the tools for ultimate success."

Pitaniello explained that if you've been ignoring retirement for some reason, or delayed facing the reality that you may one day be retired, then now is the time to act. It's halftime. It's time to regroup and prepare yourself for the second half of your career. No matter the age you begin, Pitaniello and PFG Advisors recommend the following checklist in creating a retirement strategy:

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CONTACT: Kim Davis, (806) 544-4255

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Retirement Planning at 40-Something - Halftime of the Big Game