What Would You Do If You Weren’t Afraid to Move?
Retirement is the perfect time to ask, What if I started fresh? But for many homeowners, fear of the unknown overshadows the freedom that downsizing could bring. In her work as a financial planner, Penelope S. Tzougros meets countless retirees who are hesitant to move—not because it’s a bad …
Does Your Home Pass the Retirement Test?
As retirement approaches, it’s natural to ask the big question: Is my home still the right place for me? The house that once held your career, family, and daily routines may now feel like a burden rather than a benefit. But how do you know for sure? That’s where Penelope …
The Surprising Way Downsizing Can Strengthen Your Relationship
When Penelope Tzougros talks to couples nearing retirement, the topic of downsizing doesn’t always start out romantic. It usually starts with practical concerns—stairs, maintenance, expenses. But again and again, she’s seen something remarkable: downsizing can actually bring couples closer together. Here’s how. 1. A Shared Project with Purpose Moving …
The Hidden Costs of Staying in Your Home Too Long
You’ve lived there for decades. The memories are priceless. But is your home still the right fit for the future you want? For many retirees, staying in their home feels like the default choice—safe, familiar, and comforting. But Penelope S. Tzougros encourages her clients to look deeper. The cost …
How Long Will You Live—and Will Your Money Last?
You don’t know the day or the hour—but chances are, you’ll live longer than you think. If you’re healthy and in your mid-60s, statistics suggest you may live well into your 80s or even 90s. That’s wonderful—but only if your finances are built to last. In fact, one of the …
Does Your Home Pass the Retirement Test?
Is your home still the right place for you in retirement? You’ve built a life inside those four walls—celebrated holidays, raised a family, and collected a treasure trove of memories. But as you transition into retirement, your needs, routines, and priorities can shift dramatically. What once felt perfect may now …
Planning for the Risk of Ill Health in Retirement
Good health is one of our greatest assets, but as we age, the reality of increased health care expenses can no longer be ignored. Optimism and healthy habits like exercising and eating well are important, but financial planning for potential health-related costs is just as critical. At Wealthy Choices®, I …
Navigating the Risk of Low Interest Rates in Retirement
For decades, savers could rely on steady interest from certificates of deposit (CDs) to grow their wealth without taking on significant risk. However, today’s persistently low interest rates present a unique challenge for retirees who want their money to work harder without jeopardizing their principal. At Wealthy Choices®, I help …
Preserving Your Purchasing Power in Retirement
When you think about your money, it’s comforting to believe it’s safe in the bank, especially with the Federal Deposit Insurance Corporation (FDIC) protecting deposits up to certain limits. While this security ensures your principal is protected, there’s another layer of financial risk many overlook: risk to purchasing power. At …
Contact Penelope
Penelope S. Tzougros,
PhD, ChFC, CLU
51 Sawyer Road, Suite 340
Waltham, MA 02453
(781) 893-0909 ext. 238
LPL Financial, Member FINRA/SIPC
In all 50 states, Penelope S. Tzougros is registered with and securities and advisory services are offered through, LPL Financial, Member (FINRA.org/SIPC.org) Financial Planning is offered through Wealthy Choices® which is a registered investment advisor. It is not a broker-dealer nor affiliated with LPL Financial.