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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!

Newsletters
  • Dividend Investing: Small Payments Can Boost Returns
    Owning shares of stock or stock funds might increase the value of your portfolio in one of two fundamental ways: capital appreciation (i.e.,
  • Quiz: Can You Answer These Social Security Benefit Questions?
    Most people will receive Social Security benefits at some point in their lifetimes, but how much do you know about this important source of income?
  • The College Landscape After Tax Reform
    College students and their parents dodged a major bullet with the Tax Cuts and Jobs Act of 2017. Initial drafts of the bill included the elimination of Coverdell
  • What are the gift and estate tax rules after tax reform?
    The Tax Cuts and Jobs Act, signed into law in December 2017, approximately doubled the federal gift and estate tax basic exclusion amount to $11.18
  • How has tax reform affected the generation-skipping transfer tax?
    The Tax Cuts and Jobs Act, signed into law in December 2017, doubled the federal generation-skipping transfer (GST) tax exemption to $11.18 million
    
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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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