Welcome! This website is aimed at the vast majority of Americans who could use a little help taking stock of their finances. We live in a complex and changing world: globalization is making high-paying jobs scarce in some fields, housing prices have gone through the roof in the Northeast and most of California, college costs everywhere are outrageous and retirement plans are changing.

Although our name is Retirement Solutions our approach isn’t just to help you take advantage of 401(k) plans but to take the “Big Picture” of your household finances, which is rarely done. Most people don’t realize that how well they retire depends more on whether they have a well-paying job than a retirement plan, as well as what kind of mortgage they have, how much their home increases in value, their spending habits and other factors

Consider this your “one-stop saving source” on how to make your household more financially fit. Click on each of the bold-faced titles below for more information on each topic.

Investing: Forget most of what you’ve heard. Pretty much all you need to know is stick with stocks, don’t time the market, “buy and hold your investments” and keep your costs low with index funds.

Cutting down on debt: We realize it’s not always easy to stay out of debt, especially given the high cost of college, maintaining a car and other necessities but we all could use a refresher on “don’t buy overpriced stuff because everybody else does”—like $3,000 TV sets.

When banks compete…NOT: One of the biggest rip-offs in the lending community is the adjustable rate mortgage. We don’t blame you for looking for ways to “lower your bills” but the worst thing you could do is pay off your credit card debt with a mortgage whose payments could double in five years.

Is housing through the roof in your area? More than 32 million Americans are living in places where the average home price is more than $350,000. Here are some great relocation destinations where housing is affordable and they are also great places to live, work, play and raise a family.

Shop for a competitively priced college: The best way to make college affordable is to save ON college costs, not save FOR it with a 529 plan. With the average tuition bill at a private college totaling $120,000 we help you find a quality education for less.