
Before You Retire, Ask These Thorny Questions
Most of the focus for retirement planning is about how much money you need. Yes, that is important, but if you haven’t asked the right questions about how you live in retirement, all you have is a target number from a calculator. There are many retirement calculators on the internet …

Does Your Retirement Portfolio Have Fat Cows?
Let’s define the terms. “Portfolio” is all your assets that can grow and produce income. I’m looking for fat cows. I apologize to farmers and ask their indulgence as this city person talks metaphorically about cows. By fat cows I mean a cow that gives milk which is the dividend …

Risks That Can Batter Your Retirement Assets
Your retirement assets may have to respond to many different risks. Which of these worry you and which do you have a strategy for? Risk to principal. You buy a stock at $30 a share and it drops to $15 a share. Ouch! What are your choices? Wait for the …

Uncertainty: The Market is Not Alone
[et_pb_section fb_built=”1″ _builder_version=”4.4.6″][et_pb_row _builder_version=”4.4.6″][et_pb_column type=”4_4″ _builder_version=”4.4.6″][et_pb_text _builder_version=”4.4.6″]It’s often said that the market doesn’t like uncertainty. How about you and friends, do you like uncertainty? This period of the Great Dislocation has yanked us from what anchors our active lives. For millions of Americans, gone are the regular schedules for work, …

What Can You Do in This Time of Uncertainty?
What were your major concerns in January and February of this year? Are those the same top of mind issues for you now at the beginning of April 2020? How different our lives have become from the beginning to the end of March 2020. Many people are not allowed to …

What Women at Fifty Heading into Retirement Solo Need to Know
What’s important and different about being a woman in your fifties heading toward retirement? Assuming that the money you have saved is not augmented by an inheritance (parents needing care can eliminate an inheritance) or some other significant influx, how should you think about your retirement? Three things: Know your …

My Portfolio Sank. Now what?
The markets have declined and so have many portfolios. A client called me and asked which of three options she should take: 1) stay put; 2) sell everything; 3) commit suicide. Fortunately, she meant the third option to be humorous. Here are the guidelines I suggest. 1) If your account …

Perspective on Retirement
I’d like to share with you a perspective on retirement. Entering retirement is like entering you late teens – without the acne. What do the two time periods of our lives have in common? Uncertainty, vulnerability, changing identity. Uncertainty in the years to come When we are in our late …

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.