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

Tag Archives: saving and investing

Not-Diversification—Two is Better than One, Right?

ANTONIO Believe me, no: I thank my fortune for it, My ventures are not in one bottom trusted, Nor to one place; nor is my whole estate Upon the fortune of this present year: Therefore, my merchandise makes me not sad. SALARINO Why, then you are in love. –Act I, Scene I Venice. A street, […]

Lifetime Planning with R-MAP Planner

I’ve been busy the last few months enhancing the planning tool I’ve developed, R-Map Planner, and building a home for it on the web where planners and civilians alike can find out about it and license it. So I’ve been a bit absent here from posts recently (no cheering!), part of the time division that […]

Lifetime Investing, Part Two—The Savings Phase

In part one I discussed the four phases of a lifetime savings and investment plan and how investing during the retirement income phase is driven by the strength of your household balance sheet, not by the need to beat the market or stretch for yield. The stronger your balance sheet, the more risk capacity you […]

Three Strategies for Creating Retirement Income, Part One

Saving for retirement is the long, slow (hopefully boring) prelude to the real show—turning your savings into secure retirement income that will last for the rest of your life. Watching your expenses and saving regularly during a lifetime of employment is crucial, but it may not be enough. You need a plan based on your […]