Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Tag Archives: regulatory risk

Managing Systematic Risk within Your Lifetime Financial Plan

The financial services industry would have us believe that “the power of the right advisor” investing our savings will lead us to the financial promised land. In fact, investing is far from the most important factor in financial success—although the risk of investing poorly because of the powerful sway of a commissioned advisor can be […]

Managing a Lifetime of Risk, Or How I Learned to Stop Worrying and Love Retirement

An old don from my school days was fond of quoting that life is just one damn thing after another. There’s a corollary too—life isn’t just one damn thing after another, it’s the same damn thing over and over. We’ll talk about the corollary in future posts when we tackle investing. For now, we’ll focus […]

Sorting Out Medicare Myths and Political Mystification

The political season has jumped Medicare to the top of the sound bite list for the moment. Medicare is a subject only a policy wonk can love, and the politicians are putting more than a little rhetorical gloss on the facts. While we wait for the rhetoric to die down and an actual policy discussion […]

Congress, Butchers, and Brokers

Watch the video. It’s terrific. And then we’ll discuss. [videoembed type=”youtube” align=”aligncenter” width=”600″ height=”400″ shadow=”shadow-medium” url=”http://www.youtube.com/watch?v=Dg5RRMAc1GY&feature=youtu.be&noredirect=1 ” id=”0″] Video published on Mar 16, 2012 by HighTowerAdvisors This short video should give you the background you need to better understand the controversy surrounding Wednesday’s House Financial Services Committee hearing of the Bachus-McCarthy Investment Advisor Oversight Act that calls for […]

2011 AARP Medicare and Tri-State Social Security Fact Sheets

Arm yourself with some of the facts so you are better prepared to support viable choices this political season that have a direct impact on your current or planned retirement lifestyle. The two major federal transfer programs, Social Security and Medicare, are the central focus for federal budget reform as political campaigns heat up on […]