Nicholas J. Toman, CFP®
Nicholas Toman, CFP®, is a lead retirement planner and investment adviser with Empowered Financial Management, a firm that specializes in retirement planning for those individuals within five to seven years of retirement or who have recently retired and no longer wish to serve as their own financial adviser. All strategies are customized and made to clients by taking a 360-degree view of retirement, which considers the different risks retirees face during the distribution phase of life. Nicholas is a graduate of the University of Wisconsin-Whitewater with a BBA in accounting and has been a Certified Financial Planner since 2014.
Office: 608.212.7300 | Mobile: 608.212.2594 | Email: teamK@empoweredfm.com | Website: retiremadison.com | Facebook: @empoweredfinancialmanagement/ | LinkedIn: www.linkedin.com/in/nicholastoman/
Latest articles by Nicholas J. Toman, CFP®
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4 Barriers to Break Down for a Successful Retirement
Preparing for the next phase of life can help relieve some of today’s anxiety. Here are some solutions for overcoming a few of retirement’s roadblocks.
By Nicholas J. Toman, CFP® • Published
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Bring the Best of the 3 Financial Worlds into Your Retirement
investing When building a plan for retirement security, it helps to use all of the financial tools available to you.
By Nicholas J. Toman, CFP® • Published
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Should Retirees Stay Invested and Ride Out These Volatile Times?
retirement If the markets’ ups and downs have you feeling sick, it’s time to take stock of your whole financial picture. Here are five pieces of that puzzle to help guide your decision.
By Nicholas J. Toman, CFP® • Published
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Create Your Own ‘Retirement Symphony’
retirement A successful retirement plan surprisingly has quite a bit in common with a symphony orchestra. Get your own plan in harmony with these three tips.
By Nicholas J. Toman, CFP® • Published
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Don’t Overlook these 3 Elements to Your Plans for an Amazing Retirement
retirement For years you’ve focused on your career and saving for retirement. In doing so, you may have lost sight of the big picture of what your ideal retirement would look like – and how you might make it happen.
By Nicholas J. Toman, CFP® • Published
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Take Control for a Better Retirement
retirement planning A solid retirement plan is about much more than a collection of investments and insurance products. Be organized about your approach. Here’s how.
By Nicholas J. Toman, CFP® • Last updated
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Avoid These 4 Common but COSTLY Retirement Income Mistakes
retirement planning There are no pay stubs in retirement and no accounting departments to answer your questions. Once you retire, you need to be prepared to generate income and use it to pay your bills in a money-savvy manner.
By Nicholas J. Toman, CFP® • Published
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Is Your Mindset Right for an Amazing Retirement?
retirement You may be an excellent retirement saver, but that doesn’t mean you’re ready for the big switch from accumulating savings to living off of them.
By Nicholas J. Toman, CFP® • Published
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4 Questions That Keep Most Pre-Retirees Awake at Night
retirement Do you have answers for these four questions? Then congratulations and rest easy: You really are ready to retire.
By Nicholas J. Toman, CFP® • Published