Financial Advisor Peter D’Arruda discusses three straightforward strategies to help families grow towards a stronger financial future.

Cary, NC – December 29, 2012 – Peter D’Arruda, President of Capital Financial Advisory Group, LLC, 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 Peter D’Arruda. “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 Peter. “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.”

Peter D’Arruda 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 Peter D’Arruda can help you, please visit www.coachpeteradio.com.

About Peter D’Arruda:

Peter D’Arruda is a Registered Financial Consultant & Investment Advisor. He is the author of three popular financial books and his radio show, “Coach Pete’s Financial Safari”, is heard weekly on radio stations across the country.

D’Arruda is a highly sought after speaker, and each year, he dedicates time to educating both investors and financial professionals. He also continues his own education by attending advanced planning and industry meetings annually to improve his own knowledge base.

D’Arruda has been featured for his insight and commentary on television and in many national articles and publications such as Forbes, CNBC, Fox Business Network, The Wall Street Journal, Newsweek, SmartMoney, Barron’s Magazine, among others. He is the author of three books, the latest being 7 Baby Steps to a Ridiculously Reliable Retirement Income, which helps translate the complex financial world into clear and easy to understand English.