Financial Planning

My goal as a financial planner is to help people make informed decisions about their money that feels good to them, even if that means doing nothing.

This entails following sound principals of investing in addition to;

Clarifying what the client’s financial desires are
Determining what the possible courses of action are suitable based on the clients current resources, time horizon, risk tolerance, and comfort level
Recommending investment products suitable for the clients plan
Determining implementation progression for the clients plan
Monitoring effectiveness of implemented strategies and adjusting when and if necessary
Being a sounding board for financial decisions the client is considering on their own, instead of, this is what I did, what should I do now?

Call (814) 240-3433 or contact us today for more information!

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Will you be in a lower tax bracket when you are retired?

Which retirement option's survivor benefit runs out in 20 years or less?

Which products are sheltered from taxes, allows tax-free withdrawls at any age and passes tax free to heirs?

What amount of your pension plan is eligible to be rolled into an IRA at retirement?

What is a Stretch IRA used for?

If your social security benefit is $1,200 monthly and your spouses is $1,000 monthly, upon your death how much will your spouse continue to receive?

Medicare will pay ________ when a person is diagnosed with dementia?

Why should a teacher not contribute to a 403B / TSA?

Which of the following accounts will guarantee you an income for life, even if your account goes to zero?

What is the minimum age a teacher can retire at?

If you can't answer 7 of these questions - please read on!

Klingensmith Financial Services | 4420 Peach St, Suite A, Erie, PA 16509 | Phone: (814) 240-3433 | larry@urmoneyatwork.com
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Klingensmith Financial Services may only conduct business with residents of the states and/or jurisdictions for which we are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Contact us for information and availability.

Securities offered through Trustmont Financial Group, Inc. Member FINRA/SIPC Registered investment Advisory Services offered through Trustmont Advisory Group, Inc. 200 Brush Run Road, Suite A Greensburg, PA 15601 Phone: 724-468-5665. Klingensmith Financial Services is not affiliated with Trustmont Financial Group, Inc. or Trustmont Advisory Group, Inc.

Financial Planning

Call (814) 240-3433 or contact us today for more information!

Larry C. Klingensmith

Teachers Retirement Readiness Manual