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Your Life. Your Needs. Your Plan.
Greetings!

Hope this finds you well.

I’ll let you in on a little secret, only a small percentage of the US population doesn’t need a budget.

These are people that earn not only way more than they spend, but also follow my rules for a successful financial life.

Check out this week's blog below to learn more.

Rick Fingerman, CFP® and Lyman H. Jackson, CFP®
Why you may not need a budget
Mona and Carl have a gross income of $800,000 and Mia and Ben have a gross income of $260,000

Which one needs a budget?
We Specialize In Three Areas
Retirement
Whether in retirement or nearing retirement, our disciplined approach will help ensure you are on track
Women in Transition
Widowed or Divorce, 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
Fall Prevention Is the Most Important Thing for Preventing Osteoporosis Bone Fractures

A combination of resistance exercise to improve lower limb muscle strength and balance training can beat out drugs for preventing osteoporotic bone fractures.
Competitive, warm and conservative: what exactly makes someone a dog person?

Not sure why you love hanging out with your canine buddy so much? Here are the qualities in dogs – and you – that help explain it
4 Free at home COVID tests


As of September 25, 2023, residential households in the U.S. can order one set of 4 free at-home tests from USPS.com again.
AI isn't always right but humans might answer this question the same way

What do you think?
Personal Long Term Care Planning Webinar on 11-8-2023 at noon EST

Is long term care insurance right for you? We will be offering an educational webinar on Personal Long Term Care planning given by LTC Planning Specialist, Leni Webber.

Recipe of the Week

Neatballs on garlicky mashed potatoes


Moist on the inside and crunchy outside. A whole plant foods version. The result is a healthier version, just as delicious and amazing texture but without the fat and inflammatory compounds.
Quote of the Week

"May your choices reflect your hopes, not your fears."

- Nelson Mandela




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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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