Sudden Wealth

What would you do with an extra $10,000? Maybe you’d pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you suddenly had an extra million or 10 million or more? Now that you’ve come into a windfall, you have some issues to deal with. You’ll need to evaluate your new financial position and consider how your sudden wealth will affect your financial goals. [Read more…]


You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors. [Read more…]

Common Factors Affecting Retirement Income

When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be impacted by investment risk, inflation risk, catastrophic illness or long-term care, and taxes, you may not be able to enjoy the retirement you envision… [Read more…]

How Much Annual Income Can Your Retirement Portfolio Provide?

Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. The annual percentage that you take out of your portfolio, whether from returns or the principal itself, is known as your withdrawal rate. [Read more…]

Investing 101 – An Overview of Today’s Investment World – Thursday, March 23rd


The investment world is full of lingo and concepts that can baffle the best of us.  Come and review some of the classical, as well as newer concepts in investing, as well as a discussion on how to know which strategies best match your life needs and personal preferences.  A great course, suitable for both seasoned and beginning investors.  

Register for Upcoming Workshops


It’s a New Year – How to Prepare Your Investments for a Changing World






With the New Year upon us, and the elections behind us,  we know that the year ahead will bring us changes in almost every aspect of our economy – taxes, regulation entitlement programs and more.  The short and long term impact of these changes upon the market is unknown, but change is in the air, and no doubt the markets will respond. 


This workshop will show you the importance of having a financial plan tailored to your life – to both get you on course, and keep you on course through market volatility and change.  We will demonstrate how a strong plan will guide your investments, and our strategies for helping you grow and protect those investments to reach your goals.  It’s a changing world – come and learn some new, innovative concepts for how you can participate. 

 A full dinner catered by Maggiano’s will be provided, so be sure to bring  your questions, concerns and a good appetite!  Space is limited, so please RSVP for the number of guests you are planning to bring. 

Participants receive a workbook of all materials presented. The workshop is educational and does not present any financial products. Early registration is encouraged.

Register for Upcoming Workshops



Our Best Tips for Year-End Financial Planning – Thursday December 1st


With the end of the year fast approaching, it’s time to put your good intentions into action. If you are serious about saving on your taxes, maximizing your year-end returns and achieving your 2016 financial goals, then you must act soon.  Whether you have already retired, or wishing you could – we’ve created a special year-end planning workshop to show you how to keep more of your hard earned investments working for you and your family.

We will present simple, smart strategies that you can take home. This is a great opportunity for people of all ages looking for actionable tips and suggestions, and come away motivated and inspired about your financial future.

Workshop participants will learn how to:

  • Strategies to help your assets last your lifetime
  • Help protect your buying power against inflation
  • Create a tax free income stream in retirement
  • Reduce your tax bill and help preserve your investments by utilizing tax deferral strategies
  • Proactively plan for tax and financial market volatility

Participants receive a workbook of all materials presented. The workshop is educational and does not present any financial products. Early registration is encouraged.

Register for Upcoming Workshops



Why I Don’t Want to Buy Life Insurance

Annual portfolio income question marksIf you’re like most people, it’s not that you don’t appreciate the value of life insurance. In fact, many people believe they need more coverage. You probably wouldn’t mind owning additional life
insurance. It’s just that you don’t want to buy it. [Read more…]

The Power of Dividends in a Portfolio

conference-roomIt wasn’t so long ago that many investors regarded dividends as roughly the financial equivalent of a record turntable at a gathering of MP3 users–a throwback to an earlier era, irrelevant to the real action.  [Read more…]

Pay Down Debt or Save for Retirement?

Tough decisions aheadYou can use a variety of strategies to pay off debt, many of which can cut not only the amount of time it will take to pay off the debt but also the total interest paid. But like many people, you may be torn between paying off debt and the need to save for retirement. Both are important; both can help give you a more secure future. [Read more…]

Deciding When to Retire: When Timing Becomes Critical

retirement-planDeciding when to retire may not be one decision but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses, but also what sources of retirement income you’ll have and how long you’ll need your retirement savings to last. You’ll need to take into account your life expectancy and health as well as when you want to start receiving Social Security or pension benefits, and when you’ll start to tap your retirement savings.
[Read more…]

Have You Checked Your Retirement Plan Lately?

401k eggIt’s generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within the last 12 months, now may be a good time to do so. [Read more…]

The Number: What Do You Need for the Rest of Your Life, and What Will It Cost?

thenumber-150The Number: What Do You Need for the Rest of Your Life, and What Will It Cost?   by Lee Eisenberg ,  2006

Do you know what your Number is? “The Number” is a favorite book of mine because it raises a question that everyone approaching retirement has; How much do I need to save? The Number walks through many scenarios of people planning for retirement, and offers suggested and ideal savings that a couple or individual would need. The book offers detailed asset allocations, and lifestyle expectancy, based upon retirement income and money saved. But the book is not as cut and dry and number based as one would think. I found inspiring stories and encouraging advice for people planning for their retirement. I would recommend “The Number” to anyone over 30, who is concerned amount how to plan for their retirement.


retirementologyRetirementology – “Rethinking The American Dream In A New Economy” By Gregory Salsbury, PH.D

The book opens with a sad yet all too familiar story of a man who invested conservatively. For most of his working life he avoided equities during the boom years of the 90’s and early 2000’s because of the risk. He was told that he was missing the boat, until finally he decided to enter the market. He experienced strong gains and then invested more of his portfolio, and then 2008 hit and the market plummeted and he lost a sizable portion of his retirement.

This is a story you and I have heard before. I worked in the retirement planning business many years before the recession, and I hope to work long after the recovery, and these types of stories are why I do what I do. Helping a family ensure and experience their rightful retirement after so many years of hard work is the joy of my work.

This book provides an insightful and necessary look at the new mindset of retirement. Coming to understand that maybe we can’t have it all, and that it is OK. The author combines behavioral finance and retirement planning to create a clear idea of how to succeed in retirement and how to plan the right way. The book is not a sob story, it is entertaining yet sobering and it really explains how we have gotten ourselves into these harmful thinking patterns that hinder our successful retirement.

I recommend this book for readers over 40 who would like to better recognize the current and realistic strategies to plan your retirement.