Who doesn’t love brunch? how do you like the egg? Scrambled? In a waffle? More than easy? The egg beater product? Or are you a complete vegan with a delicious alternative? Coffee, tea, champagne or Bloody Mary with that?

Whatever your brunch style, you are also ordering your nest eggs as you read this. The decisions you make this morning and throughout this day influence how your nest eggs will be served for the last third of your life.

What will you do with your corporate pension plan when you retire? Or what will you do with your 401K when you change jobs? In an effort to be safe, most workers invest with very little risk, ensuring that they will run out of money for brunch time in the golden years. Unless you’ve been saving massive amounts of your salary, it’s unlikely, according to research, that your savings alone will help you get through the last third of your life.

If you want to be served perfectly flavored portions of nest egg, you need to plan carefully. Consider your tax situation, your lifestyle (your spending limits), and how long you need your assets to last, perhaps longer than you think. (People with too much income have a Social Security tax.) (This income has already been taxed once!)

You can easily realize the consequences of depleting your assets too soon. Without a PLAN you will never be able to place your order!

Not planning is crazy. It’s like going out for a spontaneous brunch with great friends, hearing them order from a generous menu presented by attentive waiters, waiting for the chef to do his magic in the kitchen, and then watching them tirelessly eat the delicious results. You order a meager plate for what you are thinking. (My assets are not what they used to be, I am like most retirees, I cannot write a large check on the spur of the moment, or I have exceeded my budget this month, or the market is down, or I am already consuming my resources.)

Would you stay still for this photo? It does not have to be this way!

You may have built up assets through a 401K, proceeds from the sale of your business, or a company pension, for example. You can plan to use them wisely by making sure you have a stable, more tax-advantageous source of income and that your money will last no matter how long you live.

If you are a woman, you can probably count on earning less throughout your life, which makes planning even more important. You are more likely to be widowed or divorced … and you can take care of children or elderly parents or both at the same time. How can you make a delicious omelette in a meager closet?

If you participated in a company savings or pension plan, statistics also show that many:

Ladies in particular and gentlemen who care, here’s how to order now! The kitchen is open and the chefs are waiting.

1.) Get at least two recommendations for a financial advisor. SCHEDULE THOSE MEETINGS THIS WEEK! This will cost you nothing and could turn out to be one of the most important meetings of your life. If you don’t like the people you interview, keep looking. You are in charge of placing your order for life! You need this special defender by your side.

2.) Take action! DO SOMETHING! You are responsible for taking action once you find an advisor you can trust. Make some action-oriented decisions.

3.) Stay the course and let time work for you. The best strategy, the most effective recipe for you, will never work if you don’t take the recommended steps. You must follow the recipe and leave enough time in the kitchen !!! Soufflé Grand Marnier can never be served without a recipe and without enough time!

4.) Find a strategy that expands and stretches your nest eggs so that your resources do not survive. This last point is really important, because the brunch afterwards lasts longer than ever. If you are 50 today, you will most likely see 100.

What will you order for brunch? And how will you pay for it?