What Are You Retiring To?

Last week, I had the pleasure of meeting Dr. Michael Winters when we both appeared as guests on the Houston Matters radio program. During the program, we talked about both financial and non-financial aspects of transitioning to retirement, topics that are way too expansive to cover in a short radio segment. Continue reading

Bryan on Houston Matters Discussing Retirement

In case you missed it, you can listen here to our very own Bryan Zschiesche discussing tips on transitioning to retirement with Houston Matters.

“Your long term and my long term are different.”

I recently had a conversation with a client in her early 60s who is about to retire. As we talked about keeping a long term perspective despite recent market pressures, she noted that “Your long term and my long term … Continue reading

The Value of Objectivity

Our founder and President, Mike Booker, was recently featured in The Suit magazine in an article titled “The Value of Objectivity“. The article focuses on what it means to be a fiduciary, taking care of client needs, and how retirees can … Continue reading

The Retirement Salary®

The Financial Synergies Retirement Salary® program is our proprietary retirement income strategy. The objective of the Retirement Salary® program is to produce a steady and predictable income to the retiree, while continuing to grow the investment portfolio conservatively over time, … Continue reading

What’s Your Retirement Number?

A couple of years ago, ING started a great marketing campaign to encourage people to start saving for retirement.  The “What’s your retirement number?” slogan was undoubtedly derived from a common question that financial advisors hear from clients every day.  … Continue reading

Why Staying the Course is The Best Route

Remember 2008? Some of us kept our eye on the ball and maintained our long-term investment plans. Others panicked and went to cash, thinking that it would protect them from downside risk, and waited until the market “normalized” before they dove back … Continue reading

You Think You Have More Time

One of the toughest parts of my job as a financial advisor is experiencing the passing of a long-time client.  Comforting a grieving family and helping to guide heirs through the account transfer process that follows is both challenging and … Continue reading

Social Security & the Marshmallow Test

Beginning in the late 1960’s, a professor at Stanford University began a series of studies on delayed gratification.  Pre-school children were given a single marshmallow and then offered a choice: they could eat the marshmallow immediately or they could wait … Continue reading

Medical Expenses Typically Underestimated in Retirement

While medical expenses should come as no surprise to retirees, the amount of money we anticipate spending on medical care in retirement is often grossly underestimated. Based on a 17-year retirement, a couple who retired last year could expect to … Continue reading