Thomas T. Riquier, CFP®, CLU, is president of The Retirement Financial Center, a local CERTIFIED FINANCIAL PLANNER™ Professional and a member of Ed Slott’s Master Elite IRA Advisor Group™. Tom constantly evaluates economic trends and recommends appropriate portfolio changes. In September 2008, Tom made the tough recommendation to his clients to liquidate all securities. At nearly the bottom of the market in early March 2009, Tom advised his clients to reenter the market by investing 40% of the portfolio. In June 2009, he followed with the remaining 60%. Recently, he again recommended a cautious reallocation. Tom believes “your financial success is not only determined by how much you make when the markets go up, it is also determined by how much you don’t lose when they go down.”
Tom has 40 years of experience in finance, insurance, investment and retirement planning. He understands the unique financial needs of seniors. In addition, Tom is well-versed in IRA laws and rulings, 401k and pension plans, and employer and employee benefit plans.
Tom’s financial planning objectives for his clients include:Â increasing investment return, decreasing tax liability, and protecting principal. The Retirement Financial Center is a comprehensive financial services firm committed to helping our clients improve their long-term financial success. Our customized programs are designed to grow, protect, and conserve our clients’ wealth by delivering an unprecedented level of personalized, concierge-type service and expertise.
Tom and his team practice the “total financial planning concept,” providing solid, unbiased advice for all the financial needs of his clients.
Our team of experienced professionals has a “hands on” approach to investment planning and a dedication to providing the sound guidance, education and expertise required in every phase of financial and retirement planning. Let us help maximize the growth of your money and retire or stay retired with confidence.
The Retirement Financial Center, 10 Liberty Street, Suite 316, Danvers, MA 01923, 978-777-5000, ttriquier@unitedplanners.com www.retirementctr.com
Corneau Wealth Management: Maybe you have a few questions…
No group felt the impact of the 2009 recession more than those nearing or just entering retirement. As the financial markets gradually show signs of recovery, new questions and challenges arise: Will you need to work longer than planned? Do you need to increase savings or adjust spending? What can you do now to better protect your assets and your lifestyle in retirement?
As an independent financial professional, I can help you find the answers you seek. I’ve focused my practice on understanding the unique challenges people face in preparing for retirement, and to provide personalized guidance that puts my clients’ goals first.
It’s important to understand that my approach doesn’t begin with answers or solutions. Instead, it begins with questions and a conversation that will help determine what is unique about you and your situation. Once we’ve determined your needs, preferences and goals, I will provide the analysis and research required to develop a strategy tailored to your individual needs that reflects your objectives and tolerance for risk.
Are you satisfied that your current financial strategy will help you live the life you desire? I have dedicated my professional career to helping clients effectively pursue their financial goals, working closely with them to build a comprehensive plan that seeks to meet today’s needs and prepares for tomorrow.
Throughout the past couple of years, even amidst economic uncertainty, I have focused on my clients’ individual needs, placing their best interests first, and have remained true to my philosophy that trust, honesty and integrity are key to building a strong financial foundation for my clients. This approach has benefited my clients, and I can offer this same personalized service and unbiased guidance to you.
Whether you are overdue for a financial checkup or want a second opinion on how you can protect and grow your wealth in 2011 and beyond, I invite you to call me at 978-299-3035 to schedule a free, no-obligation consultation. It would be my privilege to help you create thoughtful, personalized financial strategies for you and your family.
Corneau Wealth Management, 100 Cummings Center, Suite 110J, Beverly, MA Â 01915, 978-299-3035, dawnmarie.corneau@lpl.com corneauwealthmanagement.com
Investing in Relationships:Financial Planning Is Not A One-Time Event
Planning for retirement, putting together a savings plan for your children’s college education or just looking for better options to make your money work harder for you, Infinex Financial Group, located at The First National Bank of Ipswich, can help you create a plan to meet your long-term goals – at a level of risk that you’re comfortable with. Your First National Bank of Ipswich executive and Infinex Financial Group Representative, Tim Goland, will walk you through the financial planning process; establishing a supportive, helpful relationship with you that will continue to grow and evolve over time. Identify Your Goals and Implement Your Individual Plan
Tim will consult with you to gain a clear understanding of your financial goals, your tolerance for risk, as well as your current tax situation. He will help you determine how a new investment plan will fit within your existing portfolio and how it will impact your long-term financial goals. By using his access to highly respected research firms, Tim will help you select the right investment vehicle, or mix of products, which will fit your lifestyle, meet your current needs, and anticipate any future requirements. Once your investment plan has been determined and implemented, Tim will meet with you regularly to monitor your results and recommend any adjustments that might need to be made.
Tim Goland is a Certified Financial Planner with 20 years of investment guidance experience. He is available to meet with you, by appointment, at any of FNBI’s six branch locations – Boston, Essex, Gloucester, Ipswich, Newburyport or Rowley – and is always available by phone or email to answer any questions that you may have along the way concerning your Infinex investment plan. He specializes in:
• Portfolio Construction & Management
• Retirement Planning
• College Savings Planning
• Estate Planning
The First National Bank of Ipswich, 31 Market Street, Ipswich, MA Â 01938, 978-356-8155, Fax:Â 978-356-1002, TGoland@infinexgroup.com www.fnbi.com
Retirement And Your Financial Future By The Retirementman™
Investments doing poorly? Retirement on the horizon and you feel like your running out of time? Wondering what your options are? There are options. Perhaps your not talking to the right people? Maybe it’s time to talk to the retirementman™? We specialize in retirement planning. Over 30 years of experience, a degree in Accounting & Finance from Bentley College and we’re licensed and registered for all the investments you may need to get your investments back on track. I think you might agree, experience, experience, experience is probably what your investments need right about now. We are a full service financial services firm focusing on what you need to retire and how to do it most “tax efficiently”. Our motto is “it’s not what you earn that counts, it’s what you keep”. IRA’s, 401k’s, pension plans, 403b’s, annuities, insurance, all have important features and should be used properly for you to reach your goal in retirement.
If these are values that make sense to you call (800-878-1812) for a free, no obligation, 1hr conference with Charles K. Erban II, the retirementman™.
Andover Financial Advisors, 249 Lowell Street, Andover, MA 01810, 1-800-878-1812, charlie@andoverfinancial.com, www.andoverfinancial.com
It’s Tough to get a Good Shoeshine in the Suburbs… But not so hard to find a good Financial Advisor
After serving the Boston area as Investment Advisors since 1976, we decided to open our new suburban office at Unicorn Park in Woburn.
We have many clients in the North Shore area and would welcome the opportunity to review your financial picture with you. Times have been tough in the last few years and our clients have fared quite well in spite of it all.
Some might think changing managers in these unsettled days could rock the boat – just the opposite … Our performance record is available for your review upon request. To learn more about our philosophy, you can request our weekly Outlook & Strategy e-mail to get a better feel for how we think. Simply send your e-mail address to: elainel@garrettnagle.com
You might have to go to Boston for that great shoeshine, but for the best financial advice, save yourself the trip and call for an appointment with one of our advisors – a pleasant experience awaits you.
Garrett Nagle & Co Inc., 300 Unicorn Park Drive, 3rd Floor, Woburn, MA 01801, 617-737-9090, Fax: 781-939-0411, elainel@garrettnagle.com
www.garrettnagle.com