I wanted to introduce myself. My name is Michael J. Fitzgerald, CPA/PFS, CFP, MsT and I am a Registered Investment Advisor. I help clients design a income replacement plan to help them reach their goals. I do not sell anything, a Registered Investment Advisor is legally able to give recommendations on investments, stock brokers and insurance sales people are not. Always ask if your advisor is a fiduciary, that means that they can not have undisclosed conflicts of interest. Also, if you are going to look for an advisor, I would want someone who has meet the minimum and at least obtained the Certified Financial Planner designation. Did you know that you do not even have to have a high school degree to be a stock broker. Do your research and always ask your advisor, how they plan on helping you to replace 100% of your income so that if you wanted too, you could retire within a 5 year period. If they do not know the answer, how do you expect them to show you how to become wealthy, if they can not even do it themselves?

Best of luck,

Michael J. Fitzgerald, CPA/PFS, CFP, MsT
100% Retirement Income Replacement Strategies
http://www.fitzfp-llc.com