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Montie & Spencer Investment Team
Candice Montie, LUTCF
President
810-3548485
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
  • Hidden Gem: HSAs in Retirement
    When saving for retirement, you're probably aware of the benefits of using tax-preferred accounts such as 401(k)s and IRAs. But you may not be aware of another type
  • Tax Scams to Watch Out For
    While tax scams are especially prevalent during tax season, they can take place any time during the year. As a result, it's in your best interest to always be vigilant
  • Know Your Mutual Funds
    Almost 100 million Americans, representing about 44% of U.S. households, owned mutual funds in 2018. Saving for retirement was the primary goal for 73% of investors;
  • How can you lower the costs of owning a vehicle?
    Vehicle expenses can take a big bite out of your budget. According to a AAA report, the average annual total cost of owning and operating a new vehicle in 2018 was
  • Is a vehicle subscription service in your future?
    Automakers and start-up companies are betting that today's generation of drivers will embrace a new model of temporary ownership called a vehicle subscription
    
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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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