Your Life. Your Needs. Your Plan.
Greetings!

I hope this finds you well.

If only saving for retirement was simple. Yes, many Americans defer into their 401(k) or 403(b) to make sure they get their employer’s matching contribution, but is the 4% match and salary deferral enough? 

Read more in this week's blog below.

Rick Fingerman, CFP® and Lyman H. Jackson, CFP®
Starting out: 5 things to consider when saving for retirement
While there can be valid reasons for not starting retirement savings today, the financial impact of waiting is significant. Waiting just 10 years requires more than doubling the per paycheck savings rate in order to achieve the goal.
We Specialize In Three Areas
Retirement
Whether in retirement or nearing retirement, our disciplined approach will help ensure you are on track
Divorce or Widowhood
Recently widowed or divorced, our compassionate approach will give you peace of mind and a sense of empowerment
Paying for College
With skyrocketing costs and little time left to save, without a college plan, one's retirement could be in jeopardy
Does Prevagen Really Work?

Why did the makers of Prevagen settle a class action lawsuit in 2020 with the FTC over deceptive business practices and false advertising? Is Prevagen safe?
25 Best Christmas Towns in the U.S.


There still may be time to get away for Christmas!

Financial literacy for all

Dr Anil Lamba’s training programs are held internationally.

See what he has to say in this TED Talk on why businesses fail in India but the lesson can apply around the world.
Diwali: Indians celebrate the sparkling festival of lights


Millions of Indians are celebrating Diwali, the Hindu festival of lights, which is one of the most important festivals in the country.
The Seven Types of Rest Everyone Needs

Sleep and rest are not the same thing, although many of us incorrectly confuse the two.
Recipe of the Week

Oil Free Kung Pao Tofu


This Oil Free Kung Pao Tofu is packed with excellent umami flavor combining sweet, salty, and spicy making it totally irresistible.
Quote of the Week

"It's never too late to be what you
might have been"

- George Eliot
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Financial Planning Solutions, LLC ("FPS") is a fee only Registered Investment Advisor ("RIA") located in the Commonwealth of Massachusetts. FPS provides asset management and related services for clients nationally. FPS will notice file and maintain all applicable licenses as required by the various states in which FPS conducts business, as applicable. FPS renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion. 
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