Articles - Financial Planning for the Future

What is Lump-sum Investing and How does it Work?

January 3, 2023

Lump-sum investing is investing a large amount of money all at once, rather than by making smaller investments over time. Most commonly, significant lump sums come from selling a business or real estate property, stock options (such as Incentive Stock Options (ISO’s) awarded by your employer), receiving an inheritance, a pension payment, or a divorce settlement. After years of building…


What is a Fiduciary Advisor and is the Best Advisor to Work with a Fiduciary Advisor?

November 1, 2022

Advisors who possess a fiduciary duty to their clients are required to put their clients’ best interests above their own at all times. Many people are surprised to find out that this obligation isn’t required of all advisors. In fact, most advisors aren’t required to act as a fiduciary in all their interactions with a client. Advisors who are not…


The Retirement Wisdom Podcast – Podcast Guide to Retirement Income and Saving Strategies and How to Make a Financial Plan

July 21, 2022

Sound retirement planning can provide you with a solid foundation for your next phase of life. David Rosenstrock, Certified Financial Planner, explains why you should have a formal financial plan as the cornerstone for your retirement planning – and common mistakes you can avoid. Click here to listen to podcast. Transcript for Podcast Below: Joe Casey (Host) (00:04): David. Thank…


Planning for Your Child’s and Family’s Financial Future- Financial Planning Tips for Parents and Grandparents

June 21, 2022

There are numerous action steps you can take to help set your children for a successful financial future. The average cost of raising a child today from infancy to age 17, excluding college and higher education expenses, is approximately $275,000 based on inflation adjusted U.S. Department of Agriculture estimates. Education costs are one of the highest expenses you will face…


Wealth Planning Strategies: What You Should Do to Maximize Retirement Income and Successfully Plan for Retirement

June 13, 2022

Whether you are a pre-retiree or retiree, there are several major areas you should think about to successfully plan for retirement.  Retirement planning can reduce anxiety and increase happiness, security, and peace of mind.  If you take the time to plan wisely, retirement can be a richer and more rewarding time of life. The first area involves having an income…


What to Do When You Receive an Inheritance

June 8, 2022

When beneficiaries receive an inheritance, it is important to look at how this money fits into their financial plan. This will depend upon the size of the inheritance and the state of their financial situation. Regardless of the size of the inheritance, it makes sense to look for areas of your financial situation where the money can be best applied.…


An ESG Investing Primer (Environment, Social, and Governance)

May 21, 2022

One of the things I enjoy doing most with my children is going to new beaches and snorkeling and enjoying clean waters and the marine and wild-life.  With worries about global warming and environmental pollution escalating almost daily, many of us want to make sure that we are part of the solution, not the problem.  An increasingly popular path to…


Financial Planning for Major Life Events and Changes

March 24, 2022

Major changes and transitions in life often increase the need to focus financial planning.  There are many common events that people go through that result in the need to update or change their financial plans. These events can come along with emotional joy or distress and, if plans are put in place, can have a large impact on the financial…


8 Step Guide – Maximize Retirement Savings and Reduce Unexpected Risks and Mistakes

February 2, 2022

Most of us look forward to retirement, but it can be a very stressful transition.  There are many wealth planning strategies you can pursue to increase the chance that your golden years will truly be enjoyable.  Below is a brief guide to maximizing retirement savings and avoiding costly mistakes in retirement planning.  A secure, happy retirement requires savvy planning, saving…


A Guide to ESG Investing and How ESG Creates Value

December 8, 2021

Environmental, Social, and Governance Investing (“ESG”) can be an important risk-management and mitigation tool for long-term investors. As businesses have started nurturing new value-creation opportunities to address ESG, the investment community has been quick to understand that companies with strong and sustainable ESG programs can deliver better returns. Successful ESG investing still relies on all of the basic fundamentals of…


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