Families & Retirees

30 years ago things seemed easier…and simpler. Pensions were everywhere, social security seemed strong, job security was a given.Now, time of changed. It’s up to families acting CEO’s of their own future by saving and budgeting their way into financial independence and retirement. As our client’s CFOs we provide unbiased advice on the following concerns.

Pre-Retirement?

  • How much do I need to save for retirement?
  • Are my assets properly invested and allocated?
  • Am I being efficient with my current cash flow?
  • What happens to my plans and my family if I die?
  • How do I minimize taxes in my investment

Post Retirement

  • How do I know I won’t run out of money?
  • Am I protected against a market downturn?
  • What is the best way to claim Social Security?
  • What happens if I need long term care?
  • How will my assets pass to my heirs when I die?

Behind the curve. Grading the TSP on new withdrawal rules

n September 15th, the TSP rolled out their much-anticipated new distributions rules and regulations required by the TSP Modernization act of 2017.  With the approval of this law, it finally brought thousands of retired TSP participants relief from the previous stringent withdrawal restrictions.

Replay Available: Rising Health Care Costs, Medicare and You

Approaching 65 and want to know more about Medicare?  Confused by all of your choices?  Overwhelmed at the opinions on what you should do? You are not alone. Out of control health care expenses can derail a happy retirement.  Choosing and structuring your health plan...

Congrats you’ve retired! Did you forget something?

Introducing our Four-Part Series on Long-Term Care Way to go! You just retired and you have all of your ducks in row. You’ve said goodbye to your fellow co-workers, completed your retirement forms, called your travel agent about that long-desired river cruise and met...

FERS and CSRS Pensioners receive a 1.6 % COLA for 2020. No one is applauding.

Based on the Social Securities recent press release*, it’s anticipated that FERS and CSRS retirees will only receive a 1.6% raise on their pensions for 2020. While that was less than the 2.8% COLA from 2019, it’s still one of the larger ‘raises’ in the past decade....

Will There Be A Recession? The simple answer is probably.

Historically, the American economy has grown in fits and starts, otherwise known as recessions and expansions. As a result, it is likely there will be another recession in the United States. What are recessions? When gross domestic product (GDP), which is the value of...

Relying on Luck. The #1 thing retirees should be worried about but aren’t.

Relying on luck?  What do you mean?  Well, if you like most retirees, you may only be one down market away from losing years off of your retirement income.  Financial advisors like to call this phenomenon Sequence of Returns  I know what you’re saying…” Sequence of Returns? That’s it?  Sounds harmless to me.”  But trust me, it’s real and it’s one of the single biggest reason you might run out of money

Halftime 2019 Summary: What to do next?

“Investors panic as the S&P 500 crashes to a year to date return of +14.5% in 2019 -Ben Carlson (Twitter, 8/5/2019) We don’t have to be smarter than the rest.  We have to be more disciplined that the rest.” ----Warren Buffett We have a saying in my house. And it’s...

Anthony Bucci wins Five Star Wealth Manager Award for 3rd Straight Year

Mission Point Planning and Retirement’s Anthony Bucci earns 2019 Five Star Wealth Manager Award For the 3rd  straight year and 4th time the last 5 years, Anthony Bucci earned one of the highest accolades in his field, the 2019 Five Star Wealth Manager Award. The...

Quiz: How Much Have You Thought About Health and Health-Care Costs in Retirement?

When planning for retirement, it's important to consider a wide variety of factors. One of the most important is health and its associated costs. Thinking about your future health and the rising cost of health care can help you better plan for retirement in terms of...

What happens to my Facebook rants after I die? Estate Planning Considerations for Digital Assets

Unless you live off the grid, it’s likely your digital life will outlive you and become a part of your legacy. Your digital assets may have significant financial or personal value for your heirs. Consequently, you should give some thought to how these assets should be managed after your death

Don’t go it alone.

Allow us to guide you through the maze of decisions so you can set a course for your financial future.

Securities offered through Securities America, Inc. Member FINRA/SIPC. Check the background of your financial professional at FINRA's BrokerCheck. Advisory services offered through Securities America Advisors, Inc. Mission Point Planning and Retirement, and the Securities America Companies are unaffiliated.
Securities America and its representatives, Mission Point Planning and Retirement do not provide tax or estate planning advice. These services are provided in conjunction with a qualified tax and/or estate planning professional.
This site is published for residents of the United States, is for informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed."


The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on the following objective criteria: Credentialed as an investment advisory representative (IAR) or a registered investment adviser; Actively employed as a credentialed professional in the financial services industry for a minimum of five years; Favorable regulatory and complain history review; Fulfilled their firm review based on internal firm standards; Accepting new clients; One-year client retention rate; Five-year client retention rate; Non-institutionalized discretionary and/or non-discretionary client assets administered; Number of client households served; Educational and professional designations. Wealth managers do not pay a fee to be considered of awarded.


* Source: Pew Research Center
† Source: “Quantitative Analysis of Investor Behavior, 2014” Dalbar Inc. Most recent data available. An index is un-managed and one cannot invest directly into an index.

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