Share Post: facebook Created with Sketch. twitter Created with Sketch. linkedin Created with Sketch. mail Created with Sketch. print Created with Sketch.

By Melanie Hasty-Grant

Common Questions for The Retirement Lady

Nothing thrills me more than a new prospective client coming in to their first appointment with one of my Money Maven (Retirement Lady) articles in hand and talking about how much I have helped them. Wow! What a huge compliment. It warms my heart because I am passionate about helping people with their money and I am committed to their success.

I believe that this is one of the things I am called here on this earth to do.

There are a couple of common themes of questions that folks usually have in that free initial appointment. I thought I would address them here for others who may be wondering the same thing.

Question #1… Often folks want to know if they are the type of client that we take on.

Just so you know, my clients are from varying walks of life. They are Mr. and Mrs. Smith that have worked hard for the last 37 years at XYZ Company that are nearing retirement and need to rollover their 401k’s and pensions. They are 40-60 year old business owners, doctors, engineers, secretaries, dental assistants, nurses who have been saving for 20 to 30 years and have their investments all over the place (from old 401k’s to investment accounts at other firms). They need help figuring out what to do, if they are saving enough, and what else they need to be doing, etc. They are referrals from CPA’s and attorneys that are coming to me after a divorce or death of a loved one because they have no idea what they have and even less what to do with it.

Occasionally, I get someone really new to the investment world who is in their 20’s and very motivated. That is amazing too! No, not all of my clients are millionaires. Some are, but most are regular everyday folks who have between 100-250 thousand and have been saving through their 401k’s at work or have investment accounts at other places that they aren’t getting much help with. They are “millionaires in training” that understand it is about working for it and not wishing for it. They are not waiting for things to happen. They are going out and making them happen. And lastly, they value what we bring to the table. They understand that in order to potentially grow their money they should consider investing in it.

The other common question we often get relates to what services we provide.

How does all this work? I would say 90% of the new folks who come to me want us to manage their investments. They want to bring over accounts or 401k’s from other places and have us manage and invest them. We do an initial financial plan at no charge for them because we have to develop a roadmap for where we are going and how we will get there in order to effectively manage their investments when they come over. The other 10% are looking for a fee for advice type of arrangement. They want to pay a set fee for our time and have us provide a financial plan or offer investment advice. We can do both but the latter is less utilized because with the volatile market environment, investment advice today is likely to change rapidly and also involves out-of-pocket expense.

Remember, you’ve got to take the bull by the horns!

You’ve got to start. I promise you that you will be glad you did.

For more information go to

Melanie Hasty-Grant, Experienced Licensed Professional Counselor and Managing Principal at Waterstone Private Wealth Management. Cetera Advisor Networks LLC.  A registered investment advisor. Member FINRA/SIPC.

facebook Created with Sketch. twitter Created with Sketch. linkedin Created with Sketch. mail Created with Sketch. print Created with Sketch.
Share Post: facebook Created with Sketch. twitter Created with Sketch. linkedin Created with Sketch. mail Created with Sketch. print Created with Sketch.


Charitable Giving Strategies in a High-Income Year

Tom Fridrich, JD, CLUⓇ, ChFCⓇ, Senior Wealth Planner  The end of the year offers an ideal opportunity to look both forward and back — reflecting on recent achievements, while setting goals for the upcoming months. For many of my clients, it’s also a time to review their finances and i …

Let’s Talk About Midterm Elections and Your Investments

This week was midterm elections and we’ve had many questions about what it all could mean, which we’ll tackle in today’s blog. We consider it a great honor to vote, and while we may not know the final results of the election for days (or even months), what we do know is the election will …

3 Nontraditional Ways to Give That Still Qualify for a Tax Deduction

Kevin Oleszewski, Senior Wealth Planner ‘Tis the season to give. In fact, 37% of charitable giving occurs during the last quarter of the year — 20% of it in December alone, according to a survey conducted by the Blackbaud Institute. And while the holidays are traditionally a time to reflect …

Considering Tax Loss Harvesting? What You Need to Know First

Kevin Oleszewski, CFP® Senior Wealth Planner As the tax year draws to a close, many high-income investors will look to reposition their portfolios to intentionally generate losses as a way to offset gains — an investment strategy known as tax loss harvesting.
1 2 3 99 100 101

Get in Touch

In just 15 minutes we can get to know your situation, then connect you with an advisor committed to helping you pursue true wealth.

Schedule a Consultation