Planning for retirement can seem like a mysterious process. For many families, it’s hard to know how much to save and how to prepare for 20-30 years without a paycheck. Understanding the impact that taxes, healthcare, investment returns, and inflation could have on lifetime savings is paramount. For over 19 years, I’ve had the privilege of helping my clients navigate their retirement by putting a well-crafted financial plan in place that addresses these issues and more.
I am honored to serve the members of Amplify Credit Union - formerly IBM Texas Employees FCU - as a Financial Advisor with CUSO Financial Services, L.P. (CFS*). My approach to financial planning is to take the time to develop a deep understanding of my clients' needs, wants, and wishes so they can start visualizing how their retirement will unfold. Because I take the time to get to know my clients, they become my friends and are treated as such. I genuinely care about each person or family and recommend solutions with their needs first and foremost in mind. I pride myself on proactively communicating and collaborating with each client and respond to client requests promptly.
Clients also depend on me for input and solutions regarding retirement income planning, estate planning, tax-efficient investing, maximizing cash flow, long-term care planning, insurance, socially responsible investing, and more.
The financial planning process is more straightforward and enjoyable than most imagine, so if you’re ready to take the mystery out of retirement planning, let's arrange a meeting.
When dealing with a large stock holding, think about your time frame. Some strategies, such as hedging, might be most suitable in the short term or if you are restricted from selling. Others, such as donating to a trust, may be more cost effective over a longer time period, though your charitable intentions obviously play a role as well.
Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. Here are 11 ways to help keep yourself from making hasty decisions that could have a long-term impact on your ability to achieve your financial goals.
If 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.
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Financial Advisors are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.