Hope is Not a Retirement Plan

The question on most pre-retirees’ and retirees’ mind is,“Will I run out of cash before I die?”

While no one has a crystal ball that can predict every eventuality with certainty, financial advisor Tony LaJeunesse AIF® designee, president of TL Financial Group says no one needs to enter retirement blindly.

“Cash flowing your retirement income is an underutilized tool that can create a sense of confidence moving forward,” he explains. “A lot of advisors I know are great at building nest eggs, but simply having a pile of cash isn’t enough. What you plan to spend your money on, and when, are two of the greatest determiners of long-term success.”

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LaJeunesse leads a team of retirement planning specialists. He holds one of the most sought-after designations in the financial industry, AIF® Accredited Investment Fiduciary, which is given only to those who complete rigorous training and who adhere to the highest ethical standards. Accredited Investment Fiduciary designees are required to address any financial situation based on the best needs of the client, regardless of profitto the advisor or stockholders.

TL Financial Group Wealth Management Advisors, who include LaJeunesse, Michelle LaFuente, AIF® designee and Erin Wozniak, take a holistic approach to retirement planning. “We make recommendations for every aspect of someone’s financial life,” explains LaJeunesse, who is asked frequently to train other advisors. “Assets, insurance, taxes and estate planning are intertwined. A change in one area might seem to offer cost savings, but may, in turn, place you in a higher tax bracket or increase your Medicare Part B payments. And the strategies you employ to file for Social Security will determine your benefits permanently.”

“It’s an unfortunate fact of life, but the system is so complex that most citizens don’t have the training, time, or inclination to keep all these factors orchestrated and in balance.”

Welcome to Your New Extended Family

TL Financial Group’s clients enjoy the benefits of having a comprehensive plan in place that addresses foreseen as well as unexpected contingencies. The cash flow analysis allows them to see at a glance how a decision will impact their future financial well-being. What will happen if one spouse becomes incapacitated or dies? How important is the timing of a major purchase? How can they adequately protect themselves from common risks? How can they budget so they can leave a legacy?

“Our clients retire with their eyes wide open,” says LaJeunesse. “Just as importantly, they become a part of our family. As their life unfolds, they don’t have to walk through it alone. You’ll often find us at weddings and graduations,and we often help them make decisions about travel, vehicle purchases,homeownership and much more. We are passionate about our clients and their families and look forward to working with them for decades ahead.”

TL Financial Group 13433 Reeck Court Southgate, MI 48195 (734) 250-8041

Securities and advisory services offered through Commonwealth Financial Network®,

Member FINRA/SIPC, a Registered Investment Adviser.

This content was provided by Financial Service Directory. Kiplinger is not affiliated with and does not endorse the company or products mentioned above.