Some recent tweets that came across the @cnybj Twitter feed, offering various small business, marketing, HR, career, and personal tips.

SBA @SBAgov
5 Myths About Payroll Taxes — http://ow.ly/gvSW30o3xJ7

NFIB @NFIB
This guide to Section 179 of the tax code is a great way to refresh your knowledge before filing taxes for your #smallbiz: https://www.nfib.com/content/resources/money/a-guide-to-section-179-for-small-business-owners/

Hootsuite @hootsuite
7 reasons your Instagram Stories might not be converting: http://ow.ly/k6HB50n4PUw

Mitch Mitchell @Mitch_M
7 Definite Rules Of #Marketing Online And Offline http://www.imjustsharing.com/7-definite-rules-of-marketing-online-and-offline/ … #socialmediamarketing

MARK BRITZ@britz
Providing Employees Flexibility in Workplace Tools Doesn’t Mean It’s a Free-For-All http://bit.ly/2tZ86ya via @chieftech /Tolerance for Change

Will Smith @ADP_WillSmith
Most full-time employees would like schedules that are similar to contractors. Check this out to see how this approach can increase engagement. #EmployeeEngagement #HR http://bit.ly/2EL6KMN

HRZone @HRZone
Agile working: what can HR teams can learn from the software industry? https://buff.ly/2u8Subx #HR

Steve Graham @sgrahamtx
How to Create Belonging for Remote Workers http://ow.ly/tqeY30nTEcD 

SalesJobs.com @SalesJobs_com
How to advance your #career without going back to school: https://buff.ly/2u7zlXs #salesjobs #jobsearch

Hannah Morgan @careersherpa
LinkedIn for Career Changers – when you are applying for jobs that are a bit out of your current career path, your LinkedIn Profile needs to show that you didn’t accidentally apply for the wrong job by @VAFrancoResumes /| @JobHuntOrg https://buff.ly/2GqcO0d

Bonadio Group @bonadiogroup
When Clients Cash Out: Four Smart Financial Moves http://bit.ly/2VRmiFk

Baker’s Dozen @iBakersDozen
Baking Tips: Rotate the Pans During Baking. This will ensure even baking. But wait until the cake is set—about two-thirds of the way through the baking time—to prevent from collapsing. If you’re using more than one rack, this is may be the time to swap the pans.

Kristie Leong M.D. @DrKristieLeong
Moving your body is the most natural thing. What’s unnatural is keeping it in one place too long! Do more of what’s natural – move! #exercise #fitness

NPR @NPR
Many older people diagnosed with Alzheimer’s actually have dementia caused by something else. Without the right diagnosis, these people are less likely to get the best care. https://n.pr/2unhSux

Retirement planning can be fraught with worry in the best of times, but when the market turns volatile and uncertainty reigns, people in or near retirement may give way to anxiety or unease to an even greater degree than normal.

And as a result, those dreams of carefree golden years may transform into sleepless nights.

 Plenty of people remember what happened with their 401(k)s when the recession hit a decade ago, and that naturally can make you nervous. But that makes it all the more important to make a plan and not leave everything to chance.

 The good news is anyone can start taking steps now that can improve the odds that retirement will be fulfilling and joyful.

 Certainly, each person’s circumstances will be different, and just because a specific financial strategy worked for your neighbor doesn’t mean it will work for you. But here are a few general tips for navigating the financial road ahead to help give you a more secure retirement.

• Don’t underestimate your retirement’s length. People are living longer than ever, which means retirements can last longer, too. Many people may assume they need to plan for 20 years, when in fact their retirement could last 30 years or longer. As you figure out how much money you will need, make sure to plan for what could be a long retirement. Having a target amount in mind is critical. Without a target amount, you have no way of measuring whether you are on track to meet your goal.

• Know where your retirement money will come from. Social Security likely will help fund a portion of your retirement, but it won’t be enough to replace your weekly paycheck. Some people have pensions, but those are fast disappearing for most workers. That means personal savings, such as in an IRA, a 401(k) or other investments, will play a major role in whether you have a satisfying retirement or whether you struggle to make ends meet. Unfortunately, studies have shown that many Americans aren’t doing a great job with their savings. It’s important to sit down with your financial professional, determine where you stand, and make a plan so you don’t run out of money.

• Determine your risk tolerance. At some point, as you create a financial plan and determine the best investment strategy for reaching your goals, you will need to do a little self-assessment. Some people are fine with taking risks with their money. Others become uneasy at the thought that they could suffer a big loss if the market takes a sudden turn for the worse. Each individual investor needs to decide whether the potential rewards of an aggressive investment strategy outweigh the stress they might feel about the uncertainties of how the market will perform. In addition, you likely will want to re-assess your risk as you draw closer to retirement because you will have less time to recover if the market does take a plunge.

If you have been stashing money away for retirement, that’s great. But you should do more than save. If you want to reach your financial goals efficiently, you need to have a good, solid plan that will get you there.       

Jeffrey Eglow is the chief investment officer at Guardian Wealth Advisory (www.guardianwealthadvisory.com) in Florida.