So, so true… but why? It could be a lack of interest, the fear of failure, insufficient motivation or even a false sense of security created by the employer-sponsored plan. To be fair though, modern day life is complex with many priorities to be juggled, not to mention our basic human need for instant gratification....

The most common excuse is “I just don’t have the money right now”, which fails to realize one thing, that it is never about the size of your wallet, because there are options for any situation.

It is about the desire to create a better tomorrow and maintaining the discipline to follow through. Because no matter how small your financial commitment may seem, there is one thing for sure, that over the long term those investable dollars could benefit you more than having done nothing at all.

The main purpose of pre-retirement planning is to create a secure, smooth, and intentional transition from your working years into a stable lifestyle after you stop working. This is where integrated financial services can help by collaborating with a professional agency that understands your desire for self-direction but capable of providing tools, resources and guidance while remaining ready in the background until needed.

Financial savvy can take a while, but the basics are fairly straightforward and rarely change. Change occurs with how you manage, spend or invest your money when impacted by either personal choice or other life events. Individuals who embark on their own self-directed path may from time to time require additional input or perhaps a second opinion to assist them in their journey. Abacus assigns every client to a CPA led professional team to assist with tax issues, investments, insurance etc. even bookkeeping tasks all done remotely and from within the Abacus platform.

We provide a purpose-based process through a conversational approach…

Again, what changes is the influence personal choice or life events have on your current situation. For example, what your parents or grandparents did may not be enough for you. Their rules were simpler... spending less than you earn will always be beneficial, having a consistent savings plan is a good start, and preparing for a long-term financial need is a necessary function of life.

You probably heard these truths growing up but without learning basic money management. Things like creating a spending plan, investing and asset allocation, tax planning or using insurance to protect future cash flows are foreign concepts for most. Your finances are just as much about the habits and values you choose to live by or, to put it another way, your mindset matters just as much as math.

When assisting in the creation of client-centric guidance, we seek to address financial security beyond performance. Just as one gear needs another to work efficiently, we feel financial decisions generally require coordination with other considerations. In addition to our CPA led tax and accounting expertise, Abacus is a branch office of Stonex Securities Inc. (formerly Sterne Agee) an independent, non-proprietary brokerage serving clients for over 100 years. You will collaborate with an experienced, licensed investment or insurance professional focused on serving the "Best Interest" of client standard.

We can help guide you and prepare wisely in the following ways…

*Cash-Flow Planning
*Accumulation Strategies
*Tax Efficiencies
*Post-Retirement Income Planning
*Insurance Needs (Pre- and Post-Retirement)

We all experience the constant pressures of family, career, community responsibilities and personal enrichment. In a world of constant economic, political and social change, consumers engage the guidance of financial professionals to achieve certainty and self-determination. Since 1993, we've been committed to the overall benefit of a collaborative approach and work to promote public understanding on the value of engaging a professional.

Interested...?
The easiest way to embrace the Abacus experience is to become a personal tax or business bookkeeping client. This allows each side of the relationship to build credibility and confidence as we move forward together. Sound fair....? Tax issues generally represent the highest sense of urgency for both individuals and small business, request a callback through our "General Inquiries" tab above, looking forward to speaking with you....