Page 36 - The Connection Bernards-Ridge Edition, September 2012

PAGE 36 THE BERNARDS-RIDGE CONNECTION SEPTEMBER 2012
YOUR RETIREMENT
IS DEFINITELY WORTH
PLANNING FOR
Gary Len
Financial Advisor
29 Olcott Square, Suite 6
Bernardsville, NJ 07924
(800) 220-5717
www.raymondjames.com/LTG
©2011 Raymond James Financial Services, Inc., member FINRA/SIPC. Raymond James is a registered trademark
of Raymond James Financial, Inc. Securities offered through Raymond James Financial Services, Inc., member
FINRA/SIPC, and are • NOT Deposits • NOT Insured by FDIC/NCUA or any other government agency • NOT
GUARANTEED by the financial institution • Subject to risk and may lose value • Raymond James is not affiliated
with the financial institution or the investment center. 11-BDMKT-0561 5.5 x 8.5 SFS/EG 8/11
You’ve heard it said before: Timing is everything. Especially when
it comes to starting your Social Security benefits. More than 90%
of working Americans are counting on Social Security to replace
part of their current incomes when they retire, but the truth is the
majority of those already drawing benefits receive permanently re-
duced amounts due to ill-informed timing decisions. In fact, many
Americans fail to take into account the true impact of factors such
as age, job status, taxes and marital status when deciding when to
start receiving benefits. And that can prove to be a costly mistake.
Don’t make the same mistakes other retirees make. It could mean
leaving money on the table at a time when you’ll need it most.
That’s why it’s important to develop a strategy to maximize your
household Social Security benefits and enhance your overall retire-
ment income plan. After all, a little planning now can go a long way
– and in this case, we’re talking a lifetime.
Please feel free to contact me at (800) 220-5717 or
Gary.Len@RaymondJames.com. I’d be happy to help.
LTG WEALTH
MANAGEMENT,
AN INDEPENDENT FIRM
29 Olcott Square, Suite 6
Bernardsville
By: Lori Crowell
Gary Len
Although tough economic times
have taken a toll on many Ameri-
cans in recent years, making sound
financial decisions can help individ-
uals to weather financial storms. In
fact, it’s never too early to start
planning for one’s financial future,
and there are many different factors
to be considered. Hiring a qualified
professional who is well-versed in
financial planning is a recommend-
ed first step toward helping individ-
uals in meeting both short- and
long-term goals.
The advisors of LTG Wealth
Management, located at 29 Olcott
Square Suite 6 in Bernardsville, is
poised to assist individuals and fam-
ilies with their financial planning
needs, according to Gary Len,
branch manager and financial advi-
sor. Retirement planning, in particu-
lar, has never been more challeng-
ing. Working with a financial advi-
sor to map a comprehensive,
thoughtful retirement strategy –
and keep it on track – is essential to
anyone’s future well-being.
“I enjoy working with and help-
ing people find solutions to their
financial problems,’’ said Gary Len,
who has more than 27 years of
experience in the financial services
industry. “I proactively assist my
clients, a select group of families, to
plan towards a comfortable retire-
ment by offering rigorous, relentless
discipline in order to deliver a high
level of service.’’
Recognizing the importance of
well-informed investors, Len said his
office makes every effort to educate
all clients about the complexities of
investing, while encouraging rea-
sonable expectations of investment
results. “My focus is on service, and
the ability to leverage my relation-
ship with Raymond James Financial
Services, Inc., which provides
expertise in all areas of the financial
services industry,’’ he said.
Understanding the critical do’s
and don’ts to achieving a more
secure retirement is critical, and
even those who are not at the
doorstep of retirement can benefit
from a comprehensive strategy,
developed by a professional finan-
cial planner. “Everything a person
does financially is linked to their
retirement. For example, if you have
to take money out of a 401k plan to
pay for college or an emergency
medical expense, that’s taking
money away from your retirement.
There are so many different options
out there today with regards to
retirement planning, it’s very diffi-
cult for the average person who is
researching and doing their own
due diligence on a part-time or
casual basis to accomplish develop-
ing a comprehensive plan on their
own,’’ said Len. “In addition, infor-
mation often is passed along via
news outlets and other sources that
isn’t necessarily the reality of what’s
happening today. In the investment
and financial planning process,
sound decision making begins with
reliable and timely information; I
can help families and individuals
separate the facts from fiction. My
goal is to continue to develop rela-
tionships with current and future
clients, while helping them meet
their retirement goals,’’ he said.
For more information on the
services provided by the advisors of
LTG Wealth Management or to
schedule an appointment with Len,
contact (908) 953-8240.
www.theconnectionsnj.com