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Need Retirement Planning Services Near Boston? 

Where Can I Find Retirement Planning Services Near Me?

If you live in Boston and you’re looking for retirement planning services near you, be sure to contact Wealthy Choices®. You don’t have to figure out those complicated retirement questions on your own. Do you want to figure out if you should move for retirement or age in place? Do you have questions about retirement and your 401k? Do you need help developing a retirement plan? Don’t wait – seek those answers you need today with retirement planning services near Boston.

Personalized Retirement Planning Services Near You

Hi, I’m Dr. Penelope Tzougros. For years, I’ve offered my services as both a professional financial advisor and a retirement planner near Boston. I aim to offer personalized retirement planning services that answer your retirement questions.

Generalized online advice about retirement and so-called retirement calculators can be misleading simply because things don’t account for certain particulars – such as your retirement goals, your current finances, your family, etc. Through personalized retirement services near Boston, you can more thoroughly plan for your retirement years.

What Are Your Retirement Questions?

Retirement planning goes hand-in-hand with answering important questions such as the following:

  • Where should I live during retirement?
  • Should move for retirement or age in place?
  • What should I do with my 401k?
  • How much do I need to save for retirement?
  • How can I plan for healthcare expenses during retirement?

No matter what questions you have about retirement, I’ll help you consider your options. Call soon to learn more about retirement planning services near Boston! In addition to retirement planning services, Wealthy Choices® also offers other wealth management services – such as estate planning services, investment management services, and more.

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning

Why Do I Need A Retirement Planner? 

Retirement Planning Services In Waltham, MA Available Through Wealthy Choices®

Are you ready to start planning for your retirement? Are you looking for retirement planning services near you? If so, consider contacting Wealthy Choices® to learn more about retirement planning services in Waltham, MA. Find the answers you seek to your common retirement planning questions about your 401k, aging in place, and more.

Call To Learn More About Retirement Planning Services Near You

Hello, my name is Dr. Penelope Tzougros. In my career as a professional financial advisor and retirement planner, I have helped many clients find answers to their retirement planning questions. Now, I aim to help you as well. After all, the answers to your retirement questions can’t be found using an online retirement calculator or generalized retirement advice. For retirement advice that answers your retirement questions, seek personalized retirement planning services in Waltham, MA today.

Why Do I Need A Retirement Planner?

My job as a retirement planner is to offer personalized retirement advice. Your retirement plan will be centered on you – your values, your goals, your finances, and more. There are many reasons to seek retirement planning services in Waltham, MA and many retirement questions you may want answered. Below are just a few ways retirement planning services can help you.

  • Set Your Retirement Goals – I’ll help you figure out what your end goals are for retirement.
  • Develop a Retirement Plan – Once your goals are known, we can develop a plan to pursue them.
  • Evaluate Your Pension Options – I’ll help you consider your options for pension, such as taking a lump sum or taking annuity payments.
  • 401k Options – I’ll help you assess your options for your 401k.
  • Minimizing Taxes – You can minimize costs during retirement through tax-efficient investment strategies and retirement account withdrawals.
  • And More!

Don’t wait – call soon to learn more about Wealthy Choices® retirement planning services in Waltham, MA. Wealthy Choices® also offers other wealth management services in Waltham, MA, including estate planning services, investment management services, and more.

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning

Looking for a financial advisor who understands the emotional side of retirement planning, as well as the financial side? Look no further than Penelope at Wealthy Choices®. With a background in research and personal experience of watching a loved one suffer from dementia, Penelope is uniquely equipped to provide strategies and perspective on money and health issues in retirement. Her commitment to you as a financial planner is to create customized strategies that seek to help you maintain the lifestyle you want so that you can thrive in retirement. To learn more, send her an email to start the conversation or call (781) 577 2311 today.

Answers About Your 401k And Retirement Planning 

Where Can I Find Answers To My Retirement Planning Questions? 

If you’re planning your retirement and you have a lot of questions that you’re not sure how to answer, you’re not alone. You can find answers to your questions about retirement planning when you seek retirement planning services near you. Wealthy Choices® offers professional retirement planning services near Boston. 

Try Retirement Planning Services Near Boston When You Contact Wealthy Choices® 

Hello, I’m Dr. Penelope Tzougros. As a professional financial advisor and retirement planner, I’ve had many clients who have needed help seeking answers to their retirement planning questions. You don’t have to find answers all on your own – you can seek professional retirement planning services near Boston today. 

Retirement Planning And Your 401k 

Do you have a 401k or another similar profit-sharing plan that you’ve been contributing to? Are you wondering about your options for retirement and wondering what you should do with your 401k? 

These are the sorts of questions I help my clients find answers to through professional retirement planning services near Boston. Retirement planning questions such as what to do with your 401k often don’t have a generic answer that works for everyone. When you seek retirement planning services near Boston through Wealthy Choices®, I get to know your personal goals and desires for retirement so I can provide useful financial advice. 

When you choose Wealthy Choices®, you are at the center of your retirement plan. I consider your goals, values, assets, family, lifestyle, and more so I can help you find the answers you seek. Learn more about retirement planning services near Boston today by calling Wealthy Choices®. You can also ask about other financial planning services near you such as estate planning services, investment management services, and more. 

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning 

Looking for a financial advisor who understands the emotional side of retirement planning, as well as the financial side? Look no further than Penelope at Wealthy Choices®. With a background in research and personal experience of watching a loved one suffer from dementia, Penelope is uniquely equipped to provide strategies and perspective on money and health issues in retirement. Her commitment to you as a financial planner is to create customized strategies that help you maintain the lifestyle you want so that you can thrive in retirement. To learn more, send her an email to start the conversation or call (781) 893-0909 ext. 238 today. 

Common Retirement Questions And Retirement Planning Services In Waltham, MA 

Retirement Planning Services In Waltham, MA Are Available Now 

Are you beginning to plan for retirement? Have you set your retirement goals? Do you need help finding out how to reach your retirement goals? Would you like professional insight into your common retirement questions? If so, you can seek professional retirement planning services in Waltham, MA through Wealthy Choices®. 

Retirement Planning Near You Available At Wealthy Choices® 

Hello, I’m Dr. Penelope Tzougros. As your financial advisor and retirement planner, my goal is to help you set retirement goals and develop a plan to reach them. I aim to make the retirement planning process easier by answering any retirement planning questions you may have and offering personalized retirement planning advice in Waltham, MA. 

What Are Your Retirement Planning Questions? 

Retirement planning often comes with a lot of questions that need to be answered. For example, you may have asked yourself where you’ll live during retirement – if you’ll move or stay where you are. You also may have questions about retirement and your 401k. What should you do with your 401k as you retire? 

Whatever your questions are about retirement planning in Waltham, MA, I seek to help you find answers. Your retirement plan will always center on you, the individual. Your wants, values, interests, family, assets, and more – all of these must be considered when developing a retirement plan. 

Learn More About Professional Retirement Planning Services In Waltham, MA 

Choose professional retirement planning services in Waltham, MA today. Call Wealthy Choices® to learn more about retirement planning services as well as other financial planning services near you. Wealthy Choices® offers estate planning services, investment management services, and more. 

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning 

Looking for a financial advisor who understands the emotional side of retirement planning, as well as the financial side? Look no further than Penelope at Wealthy Choices®. With a background in research and personal experience of watching a loved one suffer from dementia, Penelope is uniquely equipped to provide strategies and perspective on money and health issues in retirement. Her commitment to you as a financial planner is to create customized strategies that help you maintain the lifestyle you want so that you can thrive in retirement. To learn more, send her an email to start the conversation or call (781) 893-0909 ext. 238 today. 

Retirement Planning And Your 401k 

Seek Retirement Planning Services Near You Today With Wealthy Choices® 

Where can you find professional retirement planning services near Boston? Seek the help you need for retirement planning at Wealthy Choices®. The process of planning for retirement may seem daunting – but you don’t have to figure out all the details on your own. You can seek professional retirement planning services near Boston today! 

Find Answers To Your Common Retirement Questions 

I’m Dr. Penelope Tzougros and I’m here to help you find answers to your common retirement questions. There are many questions that go hand-in-hand with retirement planning. Questions about where you’ll live during retirement, what to do with your 401k, and how much money to save are just a few of the questions you may have asked yourself. As your retirement planner, I seek to help you find the answers that fit your personal needs, desires, and more. 

What Should I Do With My 401k? 

Have you been contributing to a 401k plan or another similar profit-sharing plan? Are you wondering what you should do with your 401k as you plan for retirement? 

Like many common retirement questions, the question about what you should do with your 401k does not have a one-size-fits-all answer. Your retirement plans will depend heavily on your personal goals, your finances, your family, your lifestyle, etc. This is why the best way to seek accurate answers to your retirement planning questions is to seek professional retirement planning services near you. 

Learn more about retirement planning services near Boston when you contact Wealthy Choices®. When you call, feel free to ask about our other financial planning services near Boston, such as estate planning services, investment management services, and more. 

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning 

Looking for a financial advisor who understands the emotional side of retirement planning, as well as the financial side? Look no further than Penelope at Wealthy Choices®. With a background in research and personal experience of watching a loved one suffer from dementia, Penelope is uniquely equipped to provide strategies and perspective on money and health issues in retirement. Her commitment to you as a financial planner is to create customized strategies that help you maintain the lifestyle you want so that you can thrive in retirement. To learn more, send her an email to start the conversation or call (781) 893-0909 ext. 238 today. 

Retirement Planning: What To Do With Your 401k 

Choose Wealthy Choices® Retirement Planning Services In Waltham, MA 

Are you ready to seek retirement planning services near you? Whether you find yourself nearing retirement age or you want to begin retirement planning early, you can seek professional retirement planning services in Waltham, MA at Wealthy Choices®. Don’t burden yourself with trying to answer every retirement planning question on your own. Seek professional guidance today. 

Learn About Retirement Planning Goals, What To Do With Your 401k, And More 

Hi, I’m Dr. Penelope Tzougros and I’m here to help you figure out retirement planning goals and more with professional retirement planning services in Waltham, MA. I am a retirement planner as well as a financial advisor and I am eager to help you find answers for your retirement planning questions. 

Retirement Planning And Your 401k 

As part of your preparation for retirement, you may have been contributing part of your paycheck to a 401k, 403b, or another profit-sharing plan. As you get closer to retirement age, you may find yourself having questions about your 401k. 

What should I do with my 401k? Should I transfer it to an IRA? What are my options with a 401K? 

The answers to these questions will likely be different for different individuals. As your retirement planner, I put you at the center of the plan. Your values, interests, assets, and family are all part of what determines the answers to your retirement questions about your 401k and more. 

Choose Wealthy Choices® Offers Retirement Planning Services In Waltham, MA 

When you’re ready to begin the search for answers about retirement planning, call Wealthy Choices® for retirement planning services in Waltham, MA. You can also depend on Wealthy Choices® for other financial planning services in Waltham, MA – including estate planning services, investment management services, and more. 

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning 

Looking for a financial advisor who understands the emotional side of retirement planning, as well as the financial side? Look no further than Penelope at Wealthy Choices®. With a background in research and personal experience of watching a loved one suffer from dementia, Penelope is uniquely equipped to provide strategies and perspective on money and health issues in retirement. Her commitment to you as a financial planner is to create customized strategies that help you maintain the lifestyle you want so that you can thrive in retirement. To learn more, send her an email to start the conversation or call (781) 893-0909 ext. 238 today.

Converting a Growing 401k Savings into Cash Flow

If your 401k, or 403b has grown, how do you turn savings into spending money for retirement?

You can set up a monthly deposit to your bank account by withdrawing money from your former employer-sponsored retirement plan.

However, you are likely to be selling shares of the investments which represent the principal, not the dividends or earnings.

Creating a Self-Directed IRA for Dividend-Rich Investments

An alternative approach is to create a self-directed IRA which could allow you to invest in dividend-rich investments. If you could withdraw the dividends, reinvest the capital gains, and not deplete the principal monthly, then your account might increase in value at the same time the dividends were contributing to your cash flow and helping you pay for groceries etc. Investments can gain or lose value. Dividends are not guaranteed. Nonetheless, a portfolio can be designed for pursuing cash flow and growth. This approach is attractive because it looks at present needs and future goals.

Building a Dividend-Rich Portfolio

There are companies in the groups identified as Kings that have recorded dividends and dividend growth for fifty years. Stocks in the Aristocrat group have a dividend track record of twenty-five years. Look within those two groups for candidates for a dividend-rich portfolio.

Assessing Retirement Income Needs and Sources

How much income do you require during retirement to maintain your living quarters and to maintain your lifestyle? What are your sources of income? Is there a gap between what you require and your income sources? Can dividends fill that gap?

Financial planning is a process of analyzing your needs and seeking to maximize your assets to satisfy those needs.

General Disclaimer on Financial Planning and Investments

Securities and Advisory Services are offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Content in this material is for general information only and is not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

Contributions to a Traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

The S&P 500 Dividend Kings and Aristocrats are stock market indices composed of the companies in the S&P 500 index that have increased their dividends in each of the past 50 and 25 consecutive years, respectively.

Retirement Questions And Your 401k 

Retirement Planning Services Near Boston Available Through Wealthy Choices® 

Retirement planning may seem like an intimidating process. After all, retirement planning requires you to make decisions that will impact how you live for many years. The good news is you don’t have to find answers to your retirement questions on your own. You can seek answers to retirement questions near Boston with retirement planning services near you. 

Retirement Planning Services Near You With Dr. Penelope Tzougros 

Hello. My name is Dr. Penelope Tzougros and I’m here to help you with retirement planning. As a financial advisor, retirement planner, and founder of Wealthy Choices®, I aim to make retirement planning less stressful by providing answers for my clients. 

What Should I Do With My 401k? 

For example, many of my clients have retirement questions about their 401k plans or other similar profit-sharing plans. What do you plan to do with your 401k when you retire? Are you wondering what your options are? Do you have retirement questions about your 401k and other retirement-related subjects as well? 

If so, please don’t hesitate to contact me. I recognize the unique needs, priorities, and desires of each of my clients. This is why I tailor my retirement planning services to each individual – to ensure each client receives high-quality service. If you’d like to discuss the options for your 401k or other parts of your retirement plan, call soon. 

Choose Wealthy Choices® For Retirement Planning Services Near Boston 

Whether you’re looking for retirement planning services near Boston or you’re interested in other financial planning services such as estate planning services, investment management services, and more be sure to call Wealthy Choices®. 

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning 

Looking for a financial advisor who understands the emotional side of retirement planning, as well as the financial side? Look no further than Penelope at Wealthy Choices®. With a background in research and personal experience of watching a loved one suffer from dementia, Penelope is uniquely equipped to provide strategies and perspective on money and health issues in retirement. Her commitment to you as a financial planner is to create customized strategies that help you maintain the lifestyle you want so that you can thrive in retirement. To learn more, send her an email to start the conversation or call (781) 893-0909 ext. 238 today.  

401k vs. IRA: Making the Right Move for Your Money

Should you leave your money in the 401k or 403b or profit-sharing plan that you have been most recently contributing to?

Creditor Protection: A Key Consideration

One reason for not transferring your  401k or 403b or profit-sharing plan to an IRA is that Employer-based retirement plans may be protected from creditors by federal law. However, IRAs are governed by state law and not all states provide the same creditor protection.

Protecting Your Assets: Legal and Insurance Perspectives

Are you likely to be sued, do you have creditors? You may want to discuss with your attorney and insurance agent how to protect your assets. The attorney can advise you about your state’s laws and may suggest a trust. The insurance agent can review the merits of an umbrella policy. It is a liability policy that opens an “umbrella” over your car and house insurances so that you have more liability protection, if for instance, someone injured himself or herself on icy steps entering or leaving your house.

Considering Legal Protections in Your State

If you are in arrears with creditors or have reasons to be concerned about being sued, before you transfer your account into an IRA, you will want to know that the IRA in your state will provide the same legal protections as the employed sponsored plan.

Involuntary Cash-Out: A Potential Scenario

However, if your account is less than $5,000, your former employer may force an “involuntary cash-out”. Then an IRA may be the only option unless you cash in the account and pay tax on all of withdrawal. More details govern such cash-outs.

Two voluntary reasons for moving to an IRA are 1) that you cannot contribute to the employer sponsored plan and 2) you are restricted to the investments provided in the plan. If you were to transfer your assets to what is often referred to as a self-directed IRA, you can choose from a wider number of investments, and you might be able to contribute to the IRA. Check the regulations.

Overview: Factors to Consider

Overview: Stay in the employer sponsored plan if your main concern is protection from creditors. Transfer to an IRA if you want a larger selection of investments and if you want to contribute to the IRA if your earned income fits the guidelines for contributions.

——–

Securities and Advisory Services are offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Content in this material is for general information only and is not intended to provide specific advice or recommendations for any individual.

Contributions to a Traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

How A Retirement Planning Services Can Help You 

Retirement Planning In Waltham, MA: Seek Professional Retirement Planning Near You 

Do you know how to begin retirement planning? Are you seeking answers to questions about retirement planning? For many, retirement planning can be confusing and overwhelming. You may know you are meant to be planning for your retirement and your future, but you may be at a loss for how to plan, what to plan for, or when to start retirement planning. The good news is you don’t have to learn everything about retirement planning on your own. 

Dr. Penelope Tzougros Offers Retirement Planning Services In Waltham, MA 

Hi, I’m Dr. Penelope Tzougros. I am a financial advisor, retirement planner, and founder of Wealthy Choices®. I seek to help my clients learn about retirement planning and discover their options for retirement. Through careful consideration of each client’s needs, goals, and values, I can offer personalized retirement planning advice in Waltham, MA. 

How Can Retirement Planning Services Help Me? 

There are many options to consider and plans to make when it comes to retirement. Someone who is just beginning to consider retirement in Waltham may be primarily concerned with figuring out their retirement goals, how much money to save for retirement, how to save money for retirement, and so on. I can help clients in Waltham, MA answer these questions. 

It may be the case that you’ve already figured out your retirement goals and how to save for retirement. You may, however, have more particular questions you’d like answered. I can help with these as well. For example, I have helped clients looking to diversify their investments, clients who need to plan for healthcare expenses, and even those who need help with estate planning. No matter what questions you have about retirement planning, feel free to call Wealthy Choices®. 

Wealthy Choices® offers retirement planning services in Waltham, MA in addition to other financial planning services, such as estate planning services, investment management services, and more. Call soon to learn more. 

Choose Dr. Penelope Tzougros For Financial Advising And Retirement Planning 

Looking for a financial advisor who understands the emotional side of retirement planning, as well as the financial side? Look no further than Penelope at Wealthy Choices®. With a background in research and personal experience of watching a loved one suffer from dementia, Penelope is uniquely equipped to provide strategies and perspective on money and health issues in retirement. Her commitment to you as a financial planner is to create customized strategies that help you maintain the lifestyle you want so that you can thrive in retirement. To learn more, send her an email to start the conversation or call (781) 893-0909 ext. 238 today.