April 12, 2023 @ 11:00 am – 12:00 pm
The Health & Aquatic Club
Erika Cook

Enjoy light refreshments wile learning all about retirement planning. This class will provide information on the 4 areas of a Solid Fiscal Blueprint in Retirement:

  • Income:  
    • Minimum Dignity Expenses
    • Budget Worksheet Handout (see attached)
    • Social Security Overview and Tips
  • Investments
    • Building A Fiscal House
    • Understanding Your Unique Goals and Time Horizon
    • Understanding Your Risk Tolerance
  • Taxes
    • The 3 Tax Buckets
    • SECURE Act 2.0
    • Required Minimum Distributions
    • Roth Conversions
  • Estate Planning

All guests will receive a free book!

BIO: Jeff Montgomery, CTS™
Jeffrey D. Montgomery is the founder and president of Montgomery Financial Services LLC, a fully independent, Registered Investment Advisory firm. As a financial coach, Jeff is passionate about helping retirees achieve a greater understanding of the need for building a comprehensive financial strategy for retirement using his Fiscal Blueprint process covering the 4 main areas of Income, Investment, Estate, and Tax Planning.
After graduating from Towson University in 1991 with a degree in business and economics, Jeff worked for the well-known mutual fund company T. Rowe Price in Baltimore, Maryland, where he specialized in investment services. Now he utilizes 25 years of experience to work with retirees in planning and executing some of the largest financial decisions they will ever make.
Jeff is fully licensed and registered as an Investment Advisor Representative. He holds life, health, and disability licenses in Maryland, Delaware, Florida and Virginia. He has also received a nationally recognized tax designation, CTS (Certified Tax Specialist) This graduate-level designation is conferred upon candidates who complete a 135+ hour educational program focusing on personal income taxes and methods to reduce tax liability. CTS certification requires mastery of the basic income tax formula and its computation, retirement plans, deductions, credits, capital gains, depreciation, payroll taxes, and tax planning. Jeff understands the importance of planning for a financially secure retirement and regularly conducts public seminars and gives talks at retirement centers, businesses, and other locations in the Delmarva area to spread his knowledge. His topics often include areas of behavioral finance and helping clients deal with the emotions that come with investing. Investor coaching is so important to Jeff that he equipped Montgomery Financial Services’ corporate offices with a state-of-the-art financial resource center where he and his staff help inform clients on their investment strategies in a high-tech environment. Many clients comment on his unique ability to explain complex concepts simply and to inspire them to achieve a life of wealth and abundance.
Jeff works primarily with pre-retirees, retirees, seniors, and affluent small-business owners, helping them grow, protect and distribute their financial assets. Outside of work, Jeff resides in Berlin, Maryland, with his wife, Joan. They have two grown children. He enjoys the outdoors, golf, and offshore fishing in his boat.