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Positive Vibes

by Kevin Janiec CFP®, MBA

Positive Team Update

Jeff and Melissa Mastronardo celebrated 15 years of marriage this month in Key West.


State Champs

Our very own Will Traynor and Malvern Prep Boys’ Hockey Team win Class-3A State Championship. Congrats to my alma mater, West Chester East, for also taking home the Class A State Championship.


Get Back To What You Love

I don’t know if my eyes are welling up because of the pollen in the air or the feeling I get when I watch this commercial. Either way, as our team becomes fully vaccinated, we’re looking forward to getting back to what we love.


Vaccination Day Parody

For a little laughter, I think we can all relate to some of the lyrics in this “Vaccination Day” parody.

Bonus Vibes Book Recommendation

The Psychology of Money by Morgan Housel teaches us that doing well with money isn’t about what you know. It’s about how you behave. One of the best personal finance books I’ve ever read.


This content contains hyperlinks to external websites which are owned and operated by non-affiliated third parties.  If you use these hyperlinks you will leave our website; we bear no responsibility for the accuracy, legality, or content of these external sites or for that of subsequent links.  No warranties or representations are being made about linked websites, the third parties they are owned and operated by, the information contained on them, the accuracy, completeness, or timeliness of their content, or the suitability or quality of any of their products or services. 

This content is provided for informational purposes only. Views and opinions expressed are those of the authors and do not necessarily reflect those of FC Advisory, LLC.  Information provided is not and should not be interpreted as investment, tax, legal, or other professional advice or recommendation by FC Advisory, LLC or the members of our firm. Always consult the appropriate professional regarding your specific situation before implementing any options presented or inferred.

Investment Advice offered through FC Advisory LLC, a registered investment adviser doing business as “Financial Coach” and as “New Wealth Project”.  |  FC Advisory LLC, All rights reserved.

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Feeling Retirement “FOMO”

By Kevin Janiec CFP®, MBA

I recently caught up with a couple that spends their winters in sunny Florida.  They aren’t technically retired, but they have certainly earned the flexibility to work on their “own terms” in between tee times and tennis matches.  To put things into perspective, as we were all busy snow blowing our driveway in February, they were stressing over fixing their slice off the tee box.

In our conversation, they shared how each winter in Florida keeps getting better because more of their friends are also beginning to retire and purchasing property close to them.  Their growing retirement crew has simply meant more people to round up for golf, tennis, pickleball, beach days, and poolside happy hours. 

I always enjoy hearing stories about couples sticking to their financial plan and living a life of financial independence in their golden years.  But this particular story isn’t about them.  This story is dedicated to the friends in their group that are “Feeling the FOMO” (Fear of missing out) when they see the pictures of their buddies on the 18th green while they’re stuck at work. 

If you’re this person in the friend group that is delaying your “Fun in the sun,” it may be a well informed choice.  You might choose to keep working because you are still passionate about your job and/or you have a clear plan for when it financially makes sense for you to gain more flexibility or fully retire. If that’s the case, good for you! However, if you’re putting off retirement simply because you don’t know where you stand and/or you lack confidence in the ability to sustain your desired lifestyle in retirement, this “FOMO” might be easily avoided.

Before you miss the next tee time or pickleball match, you would benefit from a conversation with Financial Coach. We can first help you determine what is possible, and then build a custom Retirement Gameplan that supports whatever timeline or arrangement you choose with your job. 

With our retirement planning software, Financial Coach can simulate and play around with all the cash flow and market scenarios to stress test your retirement income and give you clarity and confidence on where you stand.  Between social security selection, pension decisions, healthcare cost considerations, tax-efficient withdrawal strategies, and strategic investment allocations, Financial Coach can also help you execute the plan to make this all happen. 

The friend feeling the FOMO while his buddies are on the golf course is just one example of Retirement FOMO.  The example applies to the teacher that wants to retire to move closer to her kids and new granddaughter.  It goes for the consultant, engineer, or manager who wants to scale back hours and spend more time in that non-profit that they’re passionate about.  It goes for the nurse that wants to work less and more controllable hours.  It goes for the Hospitality coordinator that wants to spend their summers on vacation and attending events instead of managing them. 

Bottom line: if you are “Feeling the FOMO,” no more guessing.  There are tools and resources available to find the clarity that you need to make an informed decision.  There might be cash flow strategies available that can provide the lifestyle that you’re looking for.  We’re here to help…because your friends and family are out there waiting for you.


Investment Advice offered through FC Advisory LLC, a registered investment adviser doing business as “Financial Coach” and as “New Wealth Project”.  This content is provided for informational purposes only.  Views and opinions expressed are those of the authors and do not necessarily reflect those of FC Advisory, LLC.  Information provided is not and should not be interpreted as investment, tax, legal, or other professional advice or recommendation by FC Advisory, LLC or the members of our firm.  Always consult the appropriate professional regarding your specific situation before implementing any options presented or inferred.  FC Advisory LLC, All rights reserved.

This content may contain hyperlinks to external websites which are owned and operated by non-affiliated third parties. If you use these hyperlinks you will leave our website; we bear no responsibility for the accuracy, legality, or content of these external sites or for that of subsequent links. No warranties or representations are being made about linked websites, the third parties they are owned and operated by, the information contained on them, the accuracy, completeness, or timeliness of their content, or the suitability or quality of any of their products or services. 

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Piecing together the retirement puzzle

by Owen Mulhern CFP®

It seemed like a great idea to start the 1000 piece puzzle on that rainy weekend.  The family coming together to share in the excitement and challenge of putting together the various shapes and colors was almost too much to handle.  Oh, what fun we were going to have!  

Then, we poured the pieces onto the table.  The 1000 random pieces that needed to be organized and coordinated in a precise fashion were revealed to our awaiting crew.  Wow.  We all agreed that 1000 puzzle pieces was a lot of pieces.  The task seemed too difficult, too time-consuming, and for some of us just flat-out overwhelming.  A few of our participants chose to amuse themselves with other activities, while the not so faint of heart charged forward to begin our monumental endeavor.   

The primary tasks were evident to all; organize the pieces that have a flat edge to create the border, and then group the remaining pieces based on color and the picture on the front of the box.  These steps, and these steps alone, were the key to making any progress on our journey.  There were so many puzzle pieces to consider, and in that chaos, we had to find some order, process, and make small but meaningful progress.  That is when it actually got fun! 

Have you considered all of the “puzzle pieces” of your retirement financial plan? 

Have you emptied the financial “box” on the table to reveal just how many tasks await you?  When that box is emptied, many families are faced with unknowns, challenges, differing priorities – not knowing where to start, many choose not to start at all.  They choose instead to put the pieces back in the box because they are overwhelmed by the sheer volume of financial items to organize and many don’t feel armed with the know-how or confidence to get started. We at Financial Coach are not surprised by this.  Here are a few items that today’s modern retiree must contend with:  

Social Security and Pension claiming strategies, Medicare/Medigap eligibility, How to invest and allocate retirement savings, How to get income from savings and investments, Legal documents and estate planning strategies, Gifting to kids and grandkids, Aging parents, Buy a second home or spend the money on travel, College and higher education savings, Long Term Care insurance, Continuing Care Community. 

I could go on, but I think you get the point.  These are big decisions, some of which are in fact irrevocable.  The information is out there, but much of it is either confusing or conflicting.  We know that the consequences of making the wrong decision can be severe, so we avoid that pain by making no decision at all.  Well, ignoring the issues will not make them go away.  It’s time to get organized, take a deep breath, consult a second set of eyes, reorient yourself with the big picture on the box, start with your edges to create a border and begin to put the pieces together.   

Our Retirement Gameplan Process creates 2 substantial outcomes for families who are either retired or approaching retirement: 

  1. Competence – We take the time throughout Your Retirement Gameplan process to educate you on the advantages and disadvantages of your options.  Your decision-making becomes well informed and your plan ends up being appropriately aligned with who you are and the life you want to live. 
  1. Confidence – With the financial pieces now organized, and the priorities and tactics set, your viewpoint on life and “what’s next” will change.  The view through this new lens will reveal that you are not only prepared for life’s challenges but capable of taking advantage of life’s opportunities.  To us, that is an exciting worldview. 

Getting to this point is not an easy task, but it is unbelievably rewarding.  Like the 1000 piece puzzle, you must first face the challenge head-on and take the first step.  Raise your hand, ask for help, and be willing to make some short-term sacrifices for long-term success. 

At Financial Coach we become your partner in organizing all of the pieces, taking inventory of what you have and what may be missing, and then lay out a roadmap for your future financial life.  Once the puzzle border is built, the picture is clear, and the financial foundation is set, you will be amazed by what you are capable of.   


Investment Advice offered through FC Advisory LLC, a registered investment adviser doing business as “Financial Coach” and as “New Wealth Project”.  This content is provided for informational purposes only.  Views and opinions expressed are those of the authors and do not necessarily reflect those of FC Advisory, LLC.  Information provided is not and should not be interpreted as investment, tax, legal, or other professional advice or recommendation by FC Advisory, LLC or the members of our firm.  Always consult the appropriate professional regarding your specific situation before implementing any options presented or inferred.  FC Advisory LLC, All rights reserved.

This content may contain hyperlinks to external websites which are owned and operated by non-affiliated third parties. If you use these hyperlinks you will leave our website; we bear no responsibility for the accuracy, legality, or content of these external sites or for that of subsequent links. No warranties or representations are being made about linked websites, the third parties they are owned and operated by, the information contained on them, the accuracy, completeness, or timeliness of their content, or the suitability or quality of any of their products or services.