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Montie & Spencer Investment Team
Candice Montie, LUTCF
President
810-732-2722
cmontie@moseco.com
Welcome
Montie&Spencer Investment Team, We specialize in helping individuals create a lifetime income stream in retirement by using investment strategies that fit your situation and implementing it. 
Call for your complimentary financial review - No matter where you are at in your financial picture we have a plan, so lets get started!

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    As people move through different stages of life, there are new financial opportunities — and potential pitfalls — around every corner. Have you made any of these
  • Tax Benefits of Homeownership After Tax Reform
    Buying a home can be a major expenditure. Fortunately, federal tax benefits are still available, even after recent tax reform legislation, to help make homeownership
  • Building Confidence in Your Strategy for Retirement
    Each year, the Employee Benefit Research Institute (EBRI) conducts its Retirement Confidence Survey to assess both worker and retiree
  • What is the federal funds rate?
    The federal funds rate is the interest rate at which banks lend funds to each other from their deposits at the Federal Reserve (the Fed), usually overnight, in order to
  • Can the federal funds rate affect the economy?
    The Federal Open Market Committee (FOMC) is the policymaking branch of the Federal Reserve. One of its primary responsibilities is setting the federal funds target rate.
    
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Retirement and College Saving
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Saving for Retirement and a Child's Education at the Same Time

You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is, saving for your retirement and your child's education at the same time can be a challenge. But take heart--you may be able to reach both goals if you make some smart choices now.

Know what your financial needs are

The first step is to determine what your financial needs are for each goal. Answering the following questions can help you get started:

For retirement:

  • How many years until you retire?
  • Does your company offer an employer-sponsored retirement plan or a pension plan? Do you participate? If so, what's your balance? Can you estimate what your balance will be when you retire?
  • How much do you expect to receive in Social Security benefits? (One way to get an estimate of your future Social Security benefits is to use the benefit calculators available on the Social Security Administration's website, www.ssa.gov. You can also sign up for a my Social Security account so that you can view your online Social Security Statement. Your statement contains a detailed record of your earnings, as well as estimates of retirement, survivor's, and disability benefits.)
  • What standard of living do you hope to have in retirement? For example, do you want to travel extensively, or will you be happy to stay in one place and live more simply?
  • Do you or your spouse expect to work part-time in retirement?

For college:

  • How many years until your child starts college?
  • Will your child attend a public or private college? What's the expected cost?
  • Do you have more than one child whom you'll be saving for?
  • Does your child have any special academic, athletic, or artistic skills that could lead to a scholarship?
  • Do you expect your child to qualify for financial aid?

Many on-line calculators are available to help you predict your retirement income needs and your child's college funding needs.

About Me
Life is ever moving and having the right person on your team is vital to your success. I can help you create a personal strategy that fits your situation.
Divorce, death, or just on your own let me help you make the most what you have.
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Moloney Securities Co., Inc member FINRA/SIPC, is a registered broker-dealer Securities offered through Moloney Securities Inc. are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. Montie & Spencer Investment Team, LLC/Moloney Securities, Inc., are not affiliated. Home office: 13537 Barrett Parkway Dr Suite 300 Manchester, MO 63021 Phone: (314) 909-0600



This communication is strictly intended for individuals residing in the state(s) of FL, HI, MI, TN and VA. No offers may be made or accepted from any resident outside the specific states referenced.
 


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