Women & Finances
DID YOU KNOW? 62.2% of women over the age of 60 are widowed? *Allianz study 80% to 90% of women […]
DID YOU KNOW? 62.2% of women over the age of 60 are widowed? *Allianz study 80% to 90% of women […]
What do you believe about money? Join Dennis this week as he discusses the “10 Client Beliefs That Affect Their
Special Guests: Amy Martin & Captain Rorke Miller If you’re nearing retirement and considering where to spend your new time,
This week Dennis had the opportunity to speak with a group of intentional investors who are collectively learning to influence
All IRAs have beneficiaries, and regardless of what type of IRA, understanding these forms is incredibly important. There are two
The “Burnout Factor” is real for those being constantly called upon, however, there are coping skills available and yes, you
Tax day has come and gone but the detailed questions are still rolling across Dennis’ desk. Do you know what
Last minute tax tips are for those who haven’t filed or perhaps are afraid that they missed a giant deduction.
This week, Dennis will review the different types of retirement accounts, rules of required minimum distributions and social security strategies.
Since tax season is among us, it might be good to know some of the “Surprising Things” that are taxable

Dennis J. Prout, CFP®
They told you that time would go fast and that it would gain speed with age. Here you are, so many years later realizing that this is true.
St. Augustine said, "The future is the logical conclusion of decisions made in the present day." He couldn't have been more right. In hindsight, you would have saved a little more, worried a little less and taken more time planning for this moment - your retirement —or, as they say, your "golden years."
There are two things weighing heavily on your mind:
The first: Did you save enough during your working years? Not just save, but did you plan appropriately?
The second: Will you have enough to live on for the next 20 to 30 years? Can you maintain your financial independence?
Speaking of independence…. you start to think of your children. They are grown and have their own families and responsibilities. You love them but you don't want to be dependent on them. You'd like to leave assets to them if you can, but you'd rather see those go to your grandchildren. Will they appreciate it?
Your mind wanders to the million little decisions made along the way. There are so many details to consider when you assess a lifetime of discipline and hard work. Oddly enough, you realize that retirement planning is the only plan where you start from an unknown end date and work backward - to now. Future you, I suggest you use hindsight as foresight. Remove the mystery and replace it with a plan. After all, who wants to spend their retirement catching up? Unless, of course, it's with old friends, family and those little ones who have your heart.
Sincerely,
1040 E. Front Street & Traverse City, MI 49686 www.proutfinancialdesign.com
(p) 231.947.3992 (f) 231.947.3995 (tollfree) 800.968.2588
Advisory Services offered through Capital Asset Advisory Services, LLC, a Registered Investment Advisor.