Patrick Speaks

Why tax qualification and tax diversification matters when looking to retire The often forgotten business partner in retirement The 5 areas of planning that we believe are important to a successful retirement

HERE ARE THE LIFE EVENTS DISCUSSED: Widowhood Divorce Longevity

Do you AND your spouse have a budget that details all of your income and expenses? How will these change upon the passing of your spouse? Are all of your legal documents up to date? When does life insurance make sense to consider? How can you qualify for state or federal assistance with any care needed? What about gifting? How does the death of a spouse who owned a business play into these considerations?            

HERE ARE SOME OF THOSE CONSIDERATIONS SHARED: What is the opportunity cost of paying off the loan early? When does it make sense to refinance instead? How could this potentially impact any future insurance claims?

What are your ingredients for retirement? Ways your recipe can change the world Creating goals to help accomplish your dreams

The three things Are trusts just for the rich? What is estate planning?

The Age of Reason When does your infant need legal rights? When the tables turn and child becomes the parent.

What is a Tariff? How does the trade war effect Wall Street? How to protect your investments when a decrease occurs in the market

Difference between a CPA and an EA? Which path of preparation is best for your wallet? Should you think about taxes all year or just at tax time?

How to integrate losses into your new found life Planning for Retirement: your funds and your fun Mastering the art of dreaming again

Putting up our own walls and breaking down barriers How to tune into your thoughts, feelings and actions

Healthcare Income Estate Investments Taxes

The Story Behind the Name Our Process

Patrick reflects on a recent Halloween Party The Importance of a Budget

When he was young, Patrick's family bought a microwave and took a class on how to use it. He shares what he learned as we approach Thanksgiving.

Leading & Trailing Indicators Market Timing Tactical, Strategic and Buy & Hold Concepts

Imposter Scam Internet Scam Grandparent Scam Woodchuck Scam RX Scam

The importance of creating a retirement plan with a professional. Why do people fail at planning for retirement? How much should you be saving and how do you start if you haven’t already?

Patrick's passion for juicing Tips for getting started Benefits of eating "live" food

Who needs them? What are the benefits? Things to decide when creating a will: Choose your Beneficiaries Name an Executor Name a Financial Power of Attorney Name a Health Care Power of Attorney

4 Types of Annuities Variable Fixed Index Traditional Fixed Immediate Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Riders are generally optional and have an additional associated cost.  Annuity guarantees and protections are backed by the financial strength and claims paying ability of the issuing insurer. Annuities are not a deposit of nor are they insured by any bank, the FDIC, NCUA, or by any federal government agency. The interest credited on your contract may be affected by the performance of an external index. However, your contract does not directly participate in the index or any equity or fixed interest investments. You are not buying shares in an index. The index value does not include the dividends paid on any equity investments underlying any equity index or any interest paid on any fixed income investments underlying any bond index. These dividends and interest are not reflected in the interest credited to your contract.

Are you approaching the crossroads of retirement? There is still hope if you are near retirement without a nest egg Is there a need for your nest egg to continue to grow? Can your portfolio stand the test of time?

Patrick speaks about three key lessons to help students start college off on the right financial foot: Lesson 1- Build a Budget Lesson 2- Be careful with Credit Lesson 3- Read the Loan Fine Print

Electronic help & tips Legal documents in place with the right people Friends & neighbors local to you

- Why you should always have a plan - Expect the unexpected & Delays! - Why I’m glad to live in the USA

HEALTH: Staying independent, Independent Living, Assisted Living and Nursing/Home Care WEALTH: Not running out of money before you run out of time CARE: Legal documents needed: POA, Healthcare Surrogate, Trust vs Will

Patrick shares a couple recent personal and heartfelt experiences.

Patrick speaks about five things you need to do when disaster strikes: Examine your Insurance Policies Build a Healthy Emergency Fund Keep Cash on Hand Take Financial Inventory Evaluate your Recovery Options 

Patrick shares with us two conversations he had recently with people who were misinformed about the Qualified Retirement Plans they had through work.

Patrick talks about how it could be important to review and participate in a plan offered at work.

Patrick addresses the two most commonly asked questions he gets from his clients about social security.