After working on Wall St. for 35 years while saving and investing my money throughout that time, I am now in position where I can help others do the same by relaying to them my financial expertise with the goal of helping them enjoy tax-free retirement income, avoid unnecessary stock market risk and putting them in a position where they don't outlive their money. No matter the level of wealth that you have, I help people maximize their retirement income so they do not live a "just in case" retirement -- afraid to spend the money that they earned. Because I have "eaten my own cooking", I am able to not only help others with their finances, I am also able to teach a class on Business Ethics at the local college and regularly work with prisoners to help them turn their life around. In short, I am doing what I want to do. I can do this because I "created my own pension" with the various financial instruments that exist today. And I can do this without the fear of taxes being raised (TFRA) or the market plunging (it may plunge but I will be unaffected) which gives me the peace of mind that I won't outlive my money. Some of the most common work that I do with the various demographics: 20's- 30's: budgeting, savings plan for a abundant retirement, family protection in case of the loss of a breadwinner, special needs trusts. 40-50's: Redirect a portion of a client's savings into Guaranteed Lifetime Income instruments as it fits the client's needs. At this point in a client's life, he/she cannot allow a market dislocation to reduce the amount of income that was planned for in retirement. I also set up Estate Planning for clients that would prefer to someday leave their wealth to families and charities rather than the government. Long- Term Care care issues are commonly addressed at this age. 70% of Americans will require LTC at some point in their life. Most often care is provided by the children who also usually have young ones of their own to attend to. It can cause stress and reduce the value of an Estate. In 2019, Genworth found that the average semi-private nursing home room in NJ is just over $127,000/yr 60-70's: Most of these people ask me "where were you when I was in my fifties?" The big one here is helping to distribute their assets to their heirs in the most tax-efficient manner. At this point, clients have wealth accumulated and want to ensure they draw it down effectively and support the children and grandchildren. I have my Series 7, 24, 63, 65 and am certified as a Retirement Income Certified Planner (RICP).