Financial Advisor Russ Jalbert discusses three straightforward strategies to help families grow towards a stronger financial future.

Southfield, MI – January 2, 2012 – Russ Jalbert, President of Jalbert Financial Group, 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 Russ Jalbert. “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 Russ. “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.”

Russ Jalbert 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.

1. 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.

1. 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 Russ Jalbert can help, please visit www.jalbertfinancial.com.

About Russ Jalbert:

Russ Jalbert, CFP, has been a top financial planner for nearly four decades. During that time, he played an active role in the Reagan Administration and amassed an impressive list of accolades.

America’s ‘Dean of Financial Planning,’ Jalbert now points his clients to the solace of much safer products and approaches, and his record speaks for itself. When the market began its ascent in 2003, Jalbert’s clients were enjoying returns of five to seven percent, growing steadily but not as fast as the market from 2003 to 2007. When the market plummeted in 2008, losing half its value and causing panic, Jalbert’s clients didn’t lose a penny.

As if all of these accomplishments were not enough, Jalbert is also an accomplished radio personality and author. The Jalbert Financial Forum airs on WMUZ 103.5 Saturdays from 2 to 3 p.m. He also hosts a show on WJR 760 AM On Sundays from 2-3:00 PM.

Jalbert has also written several books covering a wide range of issues. His first book, “Giving: Philanthropy For Everyone,” was published in 2003 and raised $125 million. His most recent book, “Rescue Your Retirement,” offers readers all of the new methods and strategies that are keeping his clients in good fiscal health.