Every retirement plan is different. I can help you discover your best path. The most common rule of thumb is that families should save 10% to 15% of their gross (before taxes) pay.

Manage your debt. Set aside an emergency fund. Minimize risk with insurance. Invest for retirement. Diversify your portfolio. Plan for your children's education. Leave your legacy.

The three main asset classes - equities, fixed-income, and cash each have different levels of risk and return, so each will behave differently over time. I can help you discover your true investment personality.

Make your goals SMART, SMART is a proven approach to achieving goals by making them: Specific. Close your eyes and see yourself doing something. Measurable. Include components that you can track, such as duration or frequency Attainable. This is the Goldilocks rule — find something that's "just right." Your goal should feel like a comfortable stretch; not too much, not too little. Challenge yourself beyond your comfort zone, but not to such a degree that you feel overwhelmed and anxious just thinking about your goal. Relevant. Make your goal meaningful and important to you — not to your family member, friend or employer. Connecting your goals to your values and vision will compel you to make changes. Time-based. Establish a realistic deadline. Having an endpoint will allow you to pause and reflect on successes and key learnings and change course if necessary.