Your Life. Your Needs. Your Plan.
Greetings!

Hoping this finds you well.

Before the financial market meltdown in 2008, adjustable-rate mortgages (ARMs) were all the rage, especially for homebuyers who were trying to buy-up to a bigger, more expensive house. After the market collapse, regulators severely restricted mortgages, especially for borrowers with less than perfect credit scores. 

Check out this week's blog below for more.

Rick Fingerman, CFP® and Lyman H. Jackson, CFP®
Independent. Fee-only. Fiduciaries
Fixed vs. Adjustable: What is the lowest cost mortgage?
Fixed rate mortgages can be expensive. Over a 30-year period, the interest cost alone on a $960,000 mortgage is $544,073. 
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
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
The Effects of Processed Meat on Lung Function

If the nitrites in foods like ham and bacon cause lung damage, what about “uncured” meat with “no nitrites added”?
Talking Through The History Of Our Teeth
Are baby and adult teeth made of the same stuff? Why can’t we just grow a new tooth if we lose one? And how did ancient people take care of their teeth?
SpaceX moves to beam Starlink internet into trucks, boats, and aircraft

SpaceX is seeking regulatory approval to connect its rapidly growing network of internet-beaming Starlink satellites to cars, trucks, shipping boats, and aircraft.

I Went Plant-Based and Lost 140 Pounds in 2 Years

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39 Facts About Comedy

This week, John shares fun(ny) facts about comedy!
Recipe of the Week

Lentil “Meatballs” with Marinara
Bread crumbs add a crispy outer layer to these meatless meatballs, which feature a tender medley of lentils, mushrooms, and rice at their center..
Quote of the Week


"Music is like a huge release of tension"

-James Taylor
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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 and internationally. 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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