As Ralph “Bud” Hobbs Jr. nears retirement, he has more questions than answers about what his next steps will be. But, even at 65, he’s still got time to think about it, he says.Always a hard worker, Hobbs plans to hold onto his business, Cape Ann Septic Service, for the foreseeable future. In the meantime, he is diligently planning and preparing for the day he sells his Gloucester, Mass., company. Like anyone nearing retirement, having enough money to live comfortably is top of mind. Hobbs wants to secure his financial future as he looks to retirement — but, he has
