Wealth Advisor Bryon Spicer discusses three straightforward strategies to help families grow towards a stronger financial future.

Dayton, OH – January 4, 2013 – Bryon Spicer, Founder of Seniors Financial and Spicer Wealth Management, recently discussed how time impacts your retirement money, and offers ways to help build a strong retirement plan.

“I find that time, math and money rarely move in the same direction,” remarked Bryon Spicer. “It is quite strange because the whole idea of compounding interest and capital appreciation are based on a rate of return compounded over time. In fact, the math for appreciation is based on four variables: Present Value, Future Value, Rate of Return and Time.”

“Logically, time, money and math should be aligned and making retirees (and soon–to-be retirees) money – right?”, asked Bryon. “Well, Maybe. If you take risk with your money values can go up — but they can also go down. Market historians and verified data offer long term rates of return that are very attractive but when the economy gets rough, money can (and has been) lost, which is not helping folks and their families grow towards a stronger financial future.”

Bryon Spicer offered three simple strategies that can help those who are saving and planning for retirement stay on a responsible path:

1. Diversify between many different types of assets – Avoid biases such as, “I only invest in mutual funds, or just stocks and bonds,” and do not build in a bias towards products you may not understand, such as: “I don’t believe in life insurance.” Allow yourself to be open to all possibilities – they all may have a lot of merit in a well-designed plan.
2. Do not try to time anything. Instead build a great plan based on sound retirement planning principals and then stick with it. Allow time to work for you and do not allow your emotions to work against you and your money.
3. Take the time to review. Keep track of where you are, what you have and where you want your retirement planning to go. That is the ultimate key to utilizing time and achieving planning success.

For more information on this topic, or to learn how Bryon Spicer can help, please visit http://www.SpicerWealth.com

About Bryon Spicer:

Founder of Seniors Financial and Spicer Wealth Management, Bryon Spicer, has devoted more than three decades of his life to educating and assisting retirees and pre-retirees.

An accounting major at Wright State University, Spicer has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently reached the status of best-selling author with the publishing of his latest book titled “Don’t Get Sacked in Retirement” a quarterback’s playbook for winning the game.

Spicer is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups. Recognition from the media and the investment community has followed his firm because of consistent success.

Spicer’s firm has been recognized three years in a row by Cincinnati Magazine as one of the top wealth advisors in the area. In addition, Ohio State University respected Spicer so much that the prestigious establishment of higher learning brought him in as a guest lecturer to infuse future financial minds with relevant information. Spicer is also an approved member of the National Ethics Bureau, which shows the highest regards for integrity and ethical decision-making.

Spicer completed a 30-minute TV shoot with Patti Gribow that discusses the book “Don’t Get Sacked in Retirement” and the Consumers Guide to Finding the Right Advise Giver.

Investment Advisory Services offered through Spicer Wealth Management, an Ohio Registered Investment Adviser. Securities offered through GF Investment Services, LLC, Member FINRA/SIPC. Insurance services offered through Seniors Financial Services.

The information in this release is not intended to be tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.