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One of the most powerful tools for understanding your financial situation is simply becoming educated about the basics. To get you started, I have prepared a series of articles addressing a variety of financial topics and issues. The methods described in these articles also reflect our business philosophy. Though they are not official financial advice, they are designed to give you some helpful guidance that may assist you in your everyday financial matters and long-term planning.
Check back often to see new articles. If you have suggestions on article topics you would like to see, please feel free to email them to me at info@sentryfinancialplanning.com.
Finanancial Fundamentals
- Get Organized For Financial Success
What is the best way to reach your financial goals? You might think with all of the advice we are bombarded with daily from the financial services industry the only way to achieve success is by... [Read More]
- Start Planning for Financial Success
The road to financial security starts with a plan beginning with the creation of cash flow and net worth statements. These two documents form the cornerstone of any financial plan and are important for three reasons. First, they provide you a snapshot of where you stand financially. Second, they are used... [Read More]
College Planning
- Paying for College? What’s Your Plan?
Helping your children pay for college is one of the biggest and most important challenges that you will face. Currently, a four-year education (tuition, fees, room and board, supplies and personal expenses) can range from... [Read More]
Retirement Planning
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Plan for a Comfortable Retirement
Planning for retirement is perhaps the most pressing financial issue facing most Americans in their 40s, 50s, and 60s today. Although most people believe that realizing a secure retirement is their most important financial priority, few have... [Read More]
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The Cost of Retirement
Retirement is expensive. How much money you will need each year when you stop working depends on your individual circumstances and the kind of lifestyle you expect to live. Your estimate will be the starting point of... [Read More]
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A Retirement Nest Egg Built to Last
For most Americans, retirement planning is ultimately focused on accumulating a "nest egg" of savings and investments to generate enough income to pay for a comfortable lifestyle. To find out how large a nest egg you will need... [Read More]
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Building Your Retirement Nest Egg
In previous articles we explained how to estimate the amount you’ll spend each year once you stop working, and the size of the nest egg you’ll need to support that spending. The next step is to figure out how much you'll need... [Read More]
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Investing For Retirement
Our last article addressed how much and how you should save in order to accumulate your retirement nest egg. Now we’ll discuss how to invest those savings. Since we can’t predict the future no one knows what the ideal portfolio will turn out to be. However, we can construct a sensible one... [Read More]
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Building and Managing a Retirement Portfolio-Part One
Our last article explained the principles of constructing a sensible investment plan during your working years to help you accumulate a retirement nest egg. Once you retire you face the challenge of converting that nest egg into... [Read More]
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Building and Managing a Retirement Portfolio-Part Two
One of the most important issues retirees face is deciding how much they can withdraw from their accounts without exhausting them. Your decision involves a trade-off between spending too much and... [Read More]
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Building and Managing a Retirement Portfolio-Part Three
For most Americans, their working years are their saving years. Their goal is simple, save aggressively and invest prudently to accumulate the retirement nest egg they’ll need to live on. Once they retire, the goal becomes... [Read More]
- Building and Managing a Retirement Portfolio-Part Four
One of the most important decisions investors face is the asset allocation of their portfolio. For the retiree, the asset allocation will be inextricably tied to a second critical decision the spending strategy to be employed during... [Read More]
COPYRIGHT John S. Spoto © 2009 – 2011 Sentry Financial Planning, LLC
7 Federal Street, Suite 15, Danvers, MA 01923 • 2 Elm Square, Suite 320, Andover, MA 01810
Phone: (978) 475-2533
Site Disclaimer: All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Sentry Financial Planning, LLC. Information, resources and material offered are believed to be from reliable sources, and no representations are made as to their accuracy or completeness. Sentry Financial Planning has no control over the accuracy or content in websites found through the links within. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Fee-only financial planning and investment advisory services are offered by Sentry Financial Planning, LLC, a registered investment advisory firm in the state of Massachusetts. The presence of this website on the internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell securities or investment advisory services to residents of any state other than the state of Massachusetts where otherwise legally permitted or where an exemption or exclusion from such registration exists. We are legally empowered to provide investment advisory services to residents of Massachusetts.
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