Our Company Values
For those who are looking for financial advice, we realize the available options are many and deciding who to work with is a challenging problem. Listed below are our Company Values which we hope will give you a better understanding of how we operate.
- People Matter – We believe that each person is innately valuable and worthy of respect and honor. We believe that relationships matter and that business is relational, top to bottom. People First, Money Second is a priority statement that places people and relationships ahead of financial matters.
- Integrity Matters – We believe that integrity and truth matter. We believe we need to conduct our business in such a way that we are “above reproach. We believe suitability and ethical practices come from placing a high value on other people and their needs before our own.
- Communication Matters – We believe that communication with our client partners builds and maintains the trust that is necessary for business relationships to reach their full potential. We believe that our client partners deserve the type of communication that is frequent, timely, truthful, & relevant.
- Service Matters – We believe that good service is practical and that great service is necessary in the pursuit of business excellence. We will pursue perfection and in so doing “catch a little excellence along the way.” (Vince Lombardi)
Craig Shepard, ChFEBCsm, NSSA
Federal Retirement Solutions
Chartered Federal Employee Benefits Consultant and National Social Security Advisor
Email Address: email@example.com
Craig Shepard holds a Bachelor of Science in Business Finance from Valparaiso University. He has 21 years of experience in financial services with an emphasis on Retirement Income Planning. A Fiduciary and an Investment Advisor Representative, Craig is Series 66, Life, Accident & Health insurance licensed in Massachusetts, New Hampshire and Rhode Island. He is also FedSmart™ trained and is a National Social Security Advisor. A native New Englander, Craig grew up in South Burlington, Vermont and is a Massachusetts resident for the last 28 years. Married for 24 years to his wife, Jerilyn, they live in Natick, Massachusetts – a short distance from their three grandsons: Jackson, Justin and Jordan. As an enthusiastic outdoorsman and fisherman, when not working, Craig has been known to take the boys to remote wilds of New England in pursuit of Striped Bass, Maine Brooktrout and Atlantic Landlocked Salmon. Craig specializes in providing planning and guidance for those who are seeking a better lifestyle in retirement. Whether you have a retirement nest egg of five million or $50,000, Craig can help you make sure it works as hard and as smart as you did in earning and saving it. If you’re typical, your retirement could last as long as 30 years and you simply cannot afford to make mistakes with your retirement money and run the risk of ruining your lifestyle during your leisure years. Craig has helped thousands of individuals and couples, at all economic levels, to enjoy a worry-free retirement knowing that their money is safeguarded, plus working hard and smart, and ready for them when needed. There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons.
In order to make sure your money is in the “best place for you”, your unique circumstances must be taken into consideration. This is where Craig can be of service. The two most common money mistakes made by the retirement-minded are (a) putting all their retirement assets in short term savings places, and (b) unknowingly taking risk they can’t afford. If you have your retirement money in highly liquid places that allow you access immediately, you’re paying a dear price for liquidity you don’t need. Not all of your retirement money will be needed at the same time; therefore you may need to space your investments so they come due when needed yet retain enough flexibility to take care of an emergency should one arise. Far too many people have all their retirement money in the “market” and exposed to the risk of principal loss. Certainly some of your money needs to be in short-term places that give you access without penalty. Some may be able to afford the risk of the market with some of their retirement money, but too much in either place is generally a bad plan. Craig can help you deploy your retirement money properly, while meeting your liquidity needs and making sure your risk is suitable and at the same time, helping you strike a proper balance between the short-term and the longer-term maturities. He can also assist you in making sure you are paying only your fair share of taxes and not one cent more. Additionally, with his help the income from your retirement money, pension (if you have one) and your Social Security can be perfectly coordinated to assure you a worry-free retirement without fear of running out of money in your lifetime. We are very hopeful for an opportunity to discuss your retirement plans so you can learn first hand how we can be of benefit. There is no cost or obligation for talking with me by phone or meeting to discuss your circumstances and your retirement plans. If we can’t be of service, you will at least have the comfort of knowing that you have consulted with a knowledgeable professional about the most important financial decisions in your life. It is very important for you to get retirement “right” because there is no second chance. We look forward to working with you soon to help you lower your stress and worry over your retirement years.
Alison Smith-Vaniz, MBA, CSSCS
Social Security Planning Strategist and Customer Service Manager
Email Address: firstname.lastname@example.org
Alison graduated Summa Cum Laude from Clark University with a business degree and a math minor. She was accepted into a highly-competitive, three year financial management training program at Digital Equipment Corporation, where she gained a solid foundation in business finance. After obtaining her Master’s degree in Business Administration from Babson College, Alison transitioned to Direct Marketing and Advertising. While working in the agency world, she learned the importance of customer service. However, during her business world tenure, she never gained a complete sense of job fulfillment. She saw the companies get richer but Alison asked herself, “Am I making the world a better place?” Watching her aging mother, who despite working several jobs all her life in order to raise Alison as a single Mom, lose her modest retirement nest-egg to exorbitant medical expenses, was a powerful catalyst for Alison joining Federal Retirement Solutions – to help others plan for retirement so they can be protected as much as possible in their golden years.
Plan For Your Future
There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.