Life's Journey

Time Horizons and Risk

noreply@blogger.com (Philip C. Gallant) — Thu, 27 Jan 2011 14:54:00 +0000

When planning for retirement, an important concept to keep in mind is TIME HORIZONS. What this refers to simply is that your need for income may change at various times due to changes along life's...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Working Longer To Make Up Losses

noreply@blogger.com (Philip C. Gallant) — Sat, 02 May 2009 22:48:00 +0000

Long before this mess and recession even hit the air waves, many individuals should have seriously thought about working past the average retirement age of 63 because we are living much longer. ...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

The Power of Being Your Own Banker

noreply@blogger.com (Philip C. Gallant) — Tue, 14 Apr 2009 22:53:00 +0000

If all middle-America had been educated on how to recapture the interest they were paying to banks and other financial institutions for all of the major items they desperately need throughout their...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Creating A Bank Like Those You Know

noreply@blogger.com (Philip C. Gallant) — Thu, 09 Apr 2009 22:11:00 +0000

What is one thing which has been constant in your life and has never changed from the time you began purchasing? The answer quite frankly is you finance everything you buy. You always pay out...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

The Process of Banking

noreply@blogger.com (Philip C. Gallant) — Mon, 06 Apr 2009 05:13:00 +0000

So many of us are ignorant when it comes to how banking works. Please know I use the word ignorant not to reference an extreme lack of manners but true lack of knowledge. If you do not know how it...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

College Planning

noreply@blogger.com (Philip C. Gallant) — Wed, 11 Mar 2009 22:51:00 +0000

Time does not creep along slowly … it passes quickly before our eyes no matter how much we wish to bridle it and make it stand still. One day you have a newborn nestled in your arms, and then they...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Is Our Middle Class Fading?

noreply@blogger.com (Philip C. Gallant) — Tue, 03 Mar 2009 16:04:00 +0000

We all worry as to whether or, not, the $700 billion stimulus package is going to be our country’s salvation. No one wants to be a skeptic as to how that money will truly be spent. Sadly the mess...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Long Term Care (LTC) – The TLC for Our Elderly

noreply@blogger.com (Philip C. Gallant) — Fri, 27 Feb 2009 16:02:00 +0000

An elderly gentleman decided his beautiful wife of 50 years was getting hard of hearing and called her doctor to make an appointment just in case. The doctor said he could see her in a week, and...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

As Parents Age

noreply@blogger.com (Philip C. Gallant) — Sun, 22 Feb 2009 16:21:00 +0000

Your dad use to run beside you so you would not fall while learning how to peddle your very first two-wheeler. Now, you walk beside him as he grasps onto a walker to steady his gait. Memories of...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Retirement Income ~ Will It Last As Long As You?

noreply@blogger.com (Philip C. Gallant) — Mon, 16 Feb 2009 15:59:00 +0000

One in every 10,000 individuals in the U.S. reaches the age of 100, and quite surprisingly, there are currently an estimated 60,000 centenarians nationwide 70 of whom are beyond the age of 110. For...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Planning 101- Annuities

noreply@blogger.com (Philip C. Gallant) — Thu, 12 Feb 2009 23:05:00 +0000

Annuities can be scary if you do not understand them. However, if guided correctly, they can prove a valuable financial tool. Seniors are likely targets for individuals who may prey and take...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Planning 101 - Ira who?

noreply@blogger.com (Philip C. Gallant) — Tue, 03 Feb 2009 22:42:00 +0000

That old adage, “Ignorance is bliss,” can hold true in so many situations but, not investing. When a new client called and asked my receptionist if she could speak to Ira, she became quite agitated...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.

Planning 101- Introduction

noreply@blogger.com (Philip C. Gallant) — Tue, 03 Feb 2009 16:10:00 +0000

The market as we know it right now is a mess. Companies are closing their doors, laying off employees, cutting back on benefits, eliminating match programs … even 401k’s. Most individuals know they...

Life holds no guarantees as happiness & success are promised to no one. Let us take that journey with you for a better financial future.