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In a world chasing the next hot stock or algorithm promising overnight wealth, we often overlook some of the most reliable financial wisdom we have: the lessons passed down by our elders. They’ve lived through recessions, market bubbles, and personal financial setbacks. Their advice isn’t old-fashioned...it’s the foundation of long-term stability.

One of their core principles is simple: save first, spend second. Older generations treated savings like a mandatory bill. Today, automating transfers into high‑yield savings or retirement accounts keeps that discipline alive and builds real security.

They also warn against investing in anything you don’t understand. With crypto trends and influencer-driven “opportunities,” this guidance is more relevant than ever. If you can’t explain the risk, it’s probably not the right place for your money. Straightforward, diversified strategies still win over time.

Another timeless truth: live below your means. Many elders built wealth by resisting lifestyle inflation. Choosing the smaller home, keeping the older car, and avoiding unnecessary debt creates quiet, lasting financial confidence.

They also understood the power of compound interest long before apps existed. Starting early, even with small amounts, lets time do the heavy lifting. And maximizing employer 401(k) matches remains one of the fastest ways to grow savings.

Their wisdom goes beyond money. Many seniors say their biggest regrets involve health and time, two things that can drain savings or slip away unnoticed. Planning for long‑term care, protecting your health, and building a life that balances work and living are all part of true financial wellness.

At the heart of it all is a simple idea: financial success isn’t about hustle, it’s about harmony. Aligning your spending with your values, avoiding unnecessary debt, and staying consistent through the noise.

These same principles guide the work we do every day. Helping clients protect what they’ve built, navigate benefits and Medicare decisions, and create long‑term financial plans rooted in clarity and confidence. The tools may be modern, but the wisdom is timeless.

Until next time,

Ed Mazur

In my last blog, I talked about how quickly things can change in our lives, sometimes as fast as the weather in New England. You can’t always predict the timing, but you can be certain that change is always on the horizon.

One of the clearest ways to see this is by looking back over your expenses from the last six months. Almost everyone finds a few items that fall into what I call “unexpected expected expenses.” They’re the surprises we didn’t plan for, even though they happen to all of us.

Maybe it’s a client who suddenly needs $14,000 to repair a roof. Maybe it’s a car that needs to be replaced sooner than expected. Maybe it’s a medical bill, a dental extraction, or a home repair that can’t wait. These moments show up in every household, and they’re exactly why thoughtful planning matters.

Recently, my wife, Anna, and I traveled to Maui, a place that holds special meaning for us because it’s where we honeymooned many years ago. We’ve always known it as a sunny, peaceful escape. But this visit was different. The islands were hit with back‑to‑back Kona storms that brought heavy rain, rough surf, and real hardship for many residents and businesses.

I share this not to compare our experience to what others face, but to highlight something universal: even the most familiar, reliable places in our lives can change without warning. And when they do, the impact is often financial as well as emotional.

Just last week, the news reported a tragic incident at LaGuardia Airport involving a fire engine on the runway. Two pilots lost their lives. It’s a heartbreaking reminder that life can shift in an instant, and when it does, the people we love are the ones who feel the ripple effects.

This is why planning matters. At PILA, our mission is to help you prepare for the unexpected, the expenses you don’t see coming, the life events you never imagined, and the changes that arrive whether we’re ready or not. We work with clients every day to build plans that protect their families, their income, and their long‑term goals.

If it’s been a while since you reviewed your coverage or financial strategy, now is a good time to take another look. Whether you want to update what you already have or get a second opinion, we’re here to help. With five decades of experience guiding people through life’s uncertainties, we can help you create a plan that makes sense for you and the people who depend on you.

Let us help you walk through life with clarity, confidence, and a plan that supports your future.

Until next time,

Ed Mazur

This month’s blog comes from a thought I’ve shared with clients and agents for more than fifty years: no matter how well you plan today — conservative or aggressive, careful or confident — something will change within the next two years. Life has a way of reminding us that nothing stays still for long.

You can see it right now in the health insurance marketplace. Many of our clients have relied on Affordable Care Act plans with generous subsidies that kept premiums manageable. But those enhanced credits expired, and suddenly families who were comfortable last year are facing higher premiums, rising deductibles, and medication costs that have doubled or tripled. “Affordability” isn’t just a buzzword on the news — it’s sitting at their kitchen table as they try to figure out how to make next month’s budget work. That’s how quickly things can shift.

Change also shows up in more personal ways. I’ll be turning 78 in March, and I can tell you firsthand: you don’t stop living because you’re aging. You keep traveling, you keep enjoying your life — until something unexpected interrupts it. A heart attack, a cancer diagnosis, a sudden medical event… you know these possibilities exist, but you can’t plan your life around fear. You plan around being prepared.

And even if you’re younger, with a great job, great kids, and a life that feels steady, change still finds you. Maybe two years from now you walk into work and discover you’ve been replaced by AI. Yes, unemployment helps — but if you’ve been “living the dream” without saving, that dream can turn quickly. The unexpected becomes very real, very fast.

It happens in everyday life too. Your car hits 60,000 miles and the warranty ends — and suddenly the transmission goes. Surprise. Or you decide, like we did, that the guest bathroom needs a walk‑in shower, and there goes a chunk of the budget you didn’t plan to spend this year.

This is exactly why our business stays in touch with clients at least twice a year. Not because it’s a nice gesture — but because life changes, and we want to be there before those changes turn into financial stress. Birthday cards, contract‑anniversary check‑ins, quick notes — they’re all part of making sure you’re not navigating these shifts alone. Our job is to help you plan for the “unexpected expected” expenses that show up in every household.

If you want a quick reality check, look back at your last six months of spending. Chances are, at least one significant expense popped up that you didn’t plan for. That’s life. And that’s why we’re here — to help you build a plan that bends with life instead of breaking under it.

 Until next time,

 Ed Mazur

After our recent 22‑inch snowstorm, I found myself reflecting on how even the toughest weather can reveal the best in people. What started as a simple effort to free two cars buried in snow and sleet turned into a reminder of why community matters—both in our neighborhoods and in our business.

 A good friend insisted on meeting me outside to tackle the snow. When I told him five minutes wasn’t enough time to get ready, he joked, “Okay, I’ll see you in six!” Humor aside, we got to work. The good news: the cars were eventually freed. The bad news: I confirmed I will not be joining the USA Snow Shoveling Team anytime soon. Every few minutes he’d say, “Slow down, Ed. Take a break. I’ll finish this.” My back agreed.

But the real story wasn’t the snow or the shoveling—it was the people. Once my cars were cleared, the neighbors didn’t stop. They moved on to help others whose vehicles were still trapped. I, on the other hand, moved on to a well‑earned one‑hour nap.

That morning reminded me of something we talk about often in our work: the power of showing up for each other. Whether it’s digging out a car, navigating Medicare, completing financial paperwork, or planning for the future, no one should feel like they’re doing it alone. Just like my neighbors stepped in without hesitation, our team is here to step in for our clients—guiding, supporting, and helping clear the path forward.

A heartfelt thank‑you to the friends and neighbors who pitched in. Your kindness is exactly the kind of community spirit we strive to bring into our business every day.

Until next time,

Ed Mazur

I’m taking my January 2026 blog straight from the New Year’s Resolution playbook.

It’s a principle I’ve tried to follow every day of my life—sometimes with tremendous success, other times falling short of the challenge.

It was actually paraphrased by Bill Belichick, former coach of the New England Patriots. His mantra for his multi‑year football dynasty? “Do your job!” My resolution is similar, but a bit harder to apply in daily life: “Do the right thing!”

Whatever your age, whatever your role, exceed expectations and do the right thing. This applies to every part of our day. And as I write this, I have to admit I’ve already missed the mark this morning. I’m diabetic (under control) and I love Lindor chocolate. If you’ve visited our office, you’ve probably noticed Lindor chocolates everywhere. So today—December 29, 2025—I had two milk chocolate Lindor balls. Not the end of the world, but still not “doing the right thing.” It’s not easy, folks.

And what about you—whether you’re a client or a financial advisor working with PILA, have you done the right thing today? Have you signed the forms we need to complete the pending transactions we’ve recommended?

Another great addition to the resolution list: “Just do it!” As I look up at my bookcase, I see that one framed nicely for easy viewing. Thank you, Nike.

Happy New Year — Do the right thing. Just do it.

As time marches on, I’m so pleased to report on the continuing leadership traits exhibited by my partners, Kara Mazur-Miller and her husband, Darrel Miller. The captain of the good ship “PILA” still has the helm, but he feels great about the new leadership waiting in the wings.

Referrals—the lifeblood of any business—remain strong as we head toward the New Year. This is a testament not only to the trust our clients place in us, but also to our unwavering philosophy: every client deserves white glove treatment and the very best of fiduciary care. That principle has guided us from the beginning, and it continues to shape every interaction we have today.

The inevitability of change was brought home to me last week when I lost a great friend and long-time mentor, Bob Canfield. Bob and I went back decades to my early years at John Hancock in Boston. Our friendship and mutual respect endured, and I last saw him just last year. At 88, Bob passed after finishing a training session—still living life with the same endurance and commitment that defined him. Over the years, he completed more than 35 marathons and half-marathons, raising money for St. Jude Children’s Hospital and other organizations. His example reminds me that true leadership is about perseverance, service, and leaving a legacy that uplifts others.

That lesson resonates deeply with our work today. Just as Bob invested his energy into causes greater than himself, we at PILA invest our time, expertise, and care into the lives of our clients. Leadership transitions, mentorship, and endurance all echo the same truth: businesses thrive when they are built on trust, service, and a commitment to something larger than profit.

As we look ahead, we honor those who paved the way, while embracing the new leadership that will carry our mission forward. To our clients, know that your trust fuels our journey, and we remain steadfast in delivering the clarity, care, and fiduciary responsibility you deserve.

Until next time,

Ed Mazur

Robert Frost’s poem The Road Not Taken ends with a quiet declaration: “I took the one less traveled by, and that has made all the difference.” It’s a line that invites reflection. What does it really mean to choose the less conventional path—and how does that apply to our lives today?

In financial services, we often see clients at a crossroads. Should they follow the standard advice, or forge a path that better reflects their values, goals, and unique circumstances? The truth is, the road less traveled isn’t always easier—but it can be more meaningful. I’ve walked that road myself. Here’s what I’ve learned—and what it might mean for you.

1. You’ll encounter the unexpected

The well-worn path is predictable. It’s lined with benchmarks, formulas, and conventional wisdom. But when you choose a financial strategy that’s tailored to your life—not just your income—you’ll face decisions that require adaptability and resilience. Whether it’s early retirement, self-employment, or caring for aging parents, the less traveled road demands flexibility. That’s where we come in: helping you pivot with confidence when life throws a curveball.

 2. You may walk alone—at first

Choosing a nontraditional financial path can feel isolating. Maybe you’re prioritizing impact over income, or building a business while others are climbing corporate ladders. But solitude can be fertile ground for clarity. We help clients build a support system that reflects their values—whether that’s a community of entrepreneurs, a family legacy plan, or a retirement vision that’s uniquely yours.

3. You’ll learn to trust yourself

Financial planning isn’t just about numbers—it’s about values. When you step off the beaten path, you start making decisions based on what matters most to you, not what others expect. We encourage that kind of self-trust. Our role is to provide the tools, context, and guidance that empower you to lead with conviction.

4. You define success

Success isn’t one-size-fits-all. For some, it’s flexibility. For others, it’s impact, security, or joy. When you take the road less traveled, you get to decide what a “good life” looks like—and we help you build the financial foundation to support it.

The road less traveled doesn’t guarantee ease. But it does offer authenticity, purpose, and the chance to create a life that’s truly your own. At PILA, we’re here to walk that road with you—offering clarity, strategy, and support every step of the way.

Until next time,

Ed Mazur

We had been shopping for a much needed bathroom project, converting the existing shower/bathtub to just a walk-in shower, with age-appropriate safety handles. It seems that one of us has become a tad unsteady. Stepping out of the bathtub has become difficult. We visited a well know local business who handles bathroom remodeling and has a great reputation!

Long story short is they were rude, ridiculously expensive and never showed up for our appointment to prepare an estimate. We decided to walk away! Then came the parade of TV commercials, with everyone doing advertisements touting lower prices and one day conversions.

At that point, we were referred to Bee's Contracting & Remodeling! We got in touch with Bryan Bielefeldt, the owner, and could not be more pleased with his help and professionalism. He came as a great referral from the PILA Team of Kara & Darrel Miller.

So, if PILA has helped you and if you would be comfortable doing so, please refer us to friends, family and acquaintances, as we would love to help them. Everybody deserves to work with a time-tested fiduciary advisor that comes highly recommended.

Until next time,
Ed Mazur

I saw a visual early this morning. It was a caricature of a young man about age 3 or 4 standing and looking into a mirror. Reflected in the mirror was not his image, but rather a very old person, hunched over and looking like he’s on his last leg. The old guy speaks to the young man and says “it goes by fast so use your allotment of time wisely!”

Now as I sit here in my mid 70’s I’m consumed by my lack of time. Not because I want to get one more trip in to Maui, but to help as many as I can and do the best thing financially for their loved ones. To make sure their families have been covered and planned for!

Let this be your reminder to take advantage of one of your most valuable assets…time.

Until next time,

Ed Mazur

I remember turning 62 and wondering if I should wait to take my Social Security at full retirement at age 65, or just work from 65 to 72 and watch my Social Security increase by 8% a year? I also remember getting called by John Hancock at age 65, and being told I had a small pension. I chose to receive $690 a month with a 100% benefit payable to my spouse for her life, should I predecease her! Pensions are a beautiful thing!

Remember when it seemed like everyone had a pension with benefits that would continue to the spouse for life? Then along came the 401K, and investment risk was passed from the employer to the employee along with no pension and only market risk! Now it was up to you as the employee to make sure you saved enough in order to be able to reitre since there was no pension to fall back on. If you have funds set aside for retirement, whether it be a 401K, IRA, Non-qualified, etc, did you know you can turn it into a pension plan?!

Let's say you have a retirement nest egg of $700,000 and it’s invested in the market with upside and downside potential. We’ve all seen the bad markets and the short-term devastation that can occur. If I’m 60 years old, have $700,000 and want to both protect my money from market volatility while not outliving it, what should I do? Rule #1- don’t retire or be forced to retire on a down market!

Here’s how it could work. If you took even just a portion of your nest egg, for example, $400,000 of your $700,000 and "pensionize" it, your lifetime income payout immediately would be $22,080 for life with a 100% survivor benefit. Each year you wait to start income, that number would increase by 10% guaranteed, the same way waiting to take Social Security does. For example, if you decided to work 8 more years and retire at 68, your income for life at that point would have doubled to $47,360! 

Wouldn’t it be nice to have enough income that is guaranteed to never run out, for both you and your spouse? What are you waiting for! Call Kara Miller today to learn more about this retirement income concept.

Until next time,

Ed Mazur

1. Criticize in private, praise in public.
2. If you cannot visualize your goal, you won’t achieve it. Make your goal public!
3. Everyone accepts the idea of their death, but none of us think it will be today! This is why we postpone doing things that we should get done. Like a last will & testament not written. Like buying life insurance when you’re healthy.  
4. We have a spare tire in our trunk for a reason.
5. On my way to the office this morning, I had to pull over for an ambulance. They weren’t practicing.
6. Return missed calls or messages within an hour.
7. Smile at others and always keep your promises.
8. KISS! ‘Keep it simple stupid’.
9. All the goals and plans you make today will need to be reviewed and updated in 2 years.
10. Read the book “The Slight Edge” by Jeff Olson. 

Until next time,

Ed Mazur

While in Hawaii celebrating our 40^th wedding anniversary, one of the planned activities was a photo shoot, complete with the setting sun, a secluded sandy beach, and of course the bride & groom, 40 years older!

What we didn’t plan on was a bad left foot on yours truly and so I worried about walking on sand and walking near the water. It turns out I was correct to be fearful as I limped through the photo shoot. Our photographer was doing his best to make the camera cover my difficulty in “holding a pose” or even staying upright.

Eventually he said to me "Have you heard of the Hawaiian super drink that cures everything? You should take it for your foot pain & inflammation." I am always one to take a chance and asked more, including where I could buy it and learned it was sold at the Maui Costco.

You can guess the rest of the Blog as I sit at my desk at PILA (and 4 weeks removed from the photoshoot). Two things I was told that were true.

1.)   It works- as blood pressure and blood sugar are better and best of all my foot is apparently inflammation free!

2.)   Its taste is not something that you will like.

Stay tuned as I start walking around my neighborhood again. 

Until next time,

Ed Mazur

Recently I was lucky to be on vacation to celebrate my 77^th birthday and it got me thinking about how I was lucky enough to get a second chance at life. I’m still here living life to the fullest at 77 while at the same time, so many friends, past acquaintances and clients have passed away. What makes me so lucky?

When I met my wife Anna, I was 38 when she got pregnant with our first child together. That was a pivotal point in my life where I made a lifestyle change because I decided it was time to take care of myself if I wanted to see all my children grow up.

Here are my Rules of Life that I would like to share with each of you.

1. Exercise when you are young! Continue into your late thirties and 40s and '50s like you mean it. It pays dividends later in life. When you live longer than perhaps the actuarial table will say you should. You really want to play with your grandkids! And in my case great grandkids!

2. Be the best human you can be. Treat all with respect.

3. In business be true to your word.

4. As you age, take appropriate supplements to help your aging poorly with diabetes, high blood pressure and heart issues. The 3 Stooges of all our lives.

5. Listen to old ones and heed their advice. They know what they're talking about.

Mahalo,

Ed Mazur

Last week, I was honored to participate with my daughter and business partner, Kara Mazur Miller, in a video shoot discussing what is “trust”.

During the interview session, I related a story from the 1990’s and my attempt to summit Mount Baker. I never reached the summit, as I know most folks and injuries occur after you reach the summit. That’s right, going down the mountain is dangerous!

It’s like chasing the retirement accumulation conundrum. You save and invest trying to build up your retirement accounts to a significant sum. You retire and that’s when you realize, your income has stopped. You have to live the rest of your life on your retirement cash flow.

Like the Mount Baker story, this is where most people fail to plan, which to me means they plan to fail without knowing it!

We now have a solution built for the trip down the mountain. Consider pensionizing your 401K or TSA account by turning some part of your cash “stash” into lifetime income payments. Yes, “I said lifetime income”- Consider it?  

Until next time,

Ed Mazur

So, this morning, January 30, 2025, we all woke up to the terrible news of the American Airlines and Black Hawk helicopter crash into the Potomac River with no survivors. It certainly brought into focus our mortality.

Two important parts! As a planner, many of you have heard me say to you, “we’ve put together a great plan for you! But, I know 2 years from now your situation will be changed, either for better or for worse.”

We have a great Annual Review Checklist that covers thoughtful questions in several areas. This form is designed to see if your planning needs a “tune-up”. For your free, no obligation copy, please click here and email it to us so we can have a conversation, either in person or virtually.

Please reach out. We’d love to have a cup of coffee with you to discuss your annual review. 

Until next time,

Ed Mazur

It's exciting to think about personal goals for 2025! Every year I get excited to think about the coming year and work at achieving my goals.

Goal: Improve physical fitness.

• How:
• Set a specific exercise routine (e.g., 30 minutes of cardio 3 times a week).
• Find an activity you enjoy (dancing, hiking, swimming).
• Track your progress with a fitness app or journal.
• Consider a personal trainer or fitness class for guidance.

Goal: Enhance mental well-being.

• How:
• Practice mindfulness or meditation daily.
• Prioritize sleep (aim for 7-9 hours per night).
• Engage in hobbies that relax you (reading, painting, listening to music).
• Seek professional support if needed (therapy, counseling).

Goal: Adopt a healthier diet.

• How:
• Incorporate more fruits, vegetables, and whole grains into your meals.
• Limit processed foods, sugary drinks, and excessive alcohol consumption.
• Plan your meals in advance and cook at home more often.
• Consult a nutritionist or dietitian for personalized advice.

Goal: Learn a new skill.

• How:
• Identify a skill that interests you (coding, a new language, playing an instrument).
• Enroll in online courses, workshops, or find a mentor.
• Dedicate specific time each week to practice.

Goal: Improve communication skills.

• How:
• Practice active listening in conversations.
• Take a public speaking course or join a Toastmasters club.
• Work on expressing your thoughts and ideas clearly and concisely.

Goal: Expand your knowledge.

• How:
• Read regularly (books, articles, blogs).
• Listen to podcasts or audiobooks on topics that interest you.
• Attend lectures, seminars, or online webinars.

Goal: Strengthen relationships with family and friends.

• How:
• Schedule regular quality time with loved ones.
• Express your appreciation and affection.
• Be present and attentive in conversations.

Goal: Build new connections.

• How:
• Join clubs or groups with shared interests.
• Attend social events or networking opportunities.

Goal: Improve financial stability.

• How:
• Create a budget and track your expenses.
• Save a portion of your income regularly.
• Pay off debt and avoid taking on new debt.
• Invest your money wisely.

Goal: Travel to new places.

• How:
• Research destinations that interest you.
• Set a travel budget and save accordingly.
• Plan your trips in advance and book accommodations and transportation.

Goal: Try new experiences.

• How:
• Step outside of your comfort zone and try activities you've never done before.
• Explore your local area and discover hidden gems.
• Be open to new opportunities and adventures.

Remember, the best personal goals are the ones that are meaningful and motivating to you. Take some time to reflect on what you want to achieve in 2025 and create a plan to make it happen. Write it down and get to work. It could be very rewarding.

Happy New Year! 

Until next time,

Ed Mazur

Sometimes we need a little bit of inspiration to energize us on any given day. As I was cleaning out my office in preparation for our move, I came across this and thought I would reshare with you. Over my many years, the following has always been an inspiration:

Don’t Quit

When things go wrong, as they sometimes will,

When the road you’re on seems all uphill,

When the funds are low and the debts are high,

When you want to smile, but you have to sigh,

When care is pressing you down a bit,

Rest if you must, but don’t you quit.

Life is queer with its twists and turns,

As every one of us sometimes learns,

And many a fellow turns about,

When he might have won had he stuck it out,

Don’t give up though the pace seems slow,

You may succeed with another blow.

Often the goals is nearer than,

It seems to a faint and faltering man,

Often the struggler has given up,

When he might have captured the victor’s cup;

And he learned too late when the night came down,

How close he was to the golden crown.

Success is failure turned inside out,

The silver tine of the clouds of doubt,

And you never can tell how close you are,

It may be near when it seems afar,

So, stick to the fight when you’re hardest hit,

It’s when things seem worst that you mustn’t quit.

-unknown-

Until next time,

Ed Mazur

Many years ago, a Regional Vice President and very good friend, exposed me to the title of this blog, “It’s all in where you sit!”

Simply explained by using an example of this concept in action.

Last week I was informed by my dentist that he recommends that I have 3 of my teeth extracted as soon as possible and plan on putting implants in. He’s a great dentist and from where he sits, I’m a wonderful new patient and as a business owner, it (meaning Ed Mazur) should generate a sizable amount of revenue for his practice. So of course, he’s very much in favor of my getting the recommended procedure done.

For my part, I’m not too crazy about starting the process even though it makes sense. That’s because from where I sit, I know that Anna and I have planned a vacation starting in late February 2025. Do I wait until after we return to start the process? Or do I bite the bullet and get the entire process started as soon as possible?

In life we are all faced with decisions that are usually viewed differently by the parties involved. It all depends on where you sit! By the way I’ve decided to wait until after vacation to start the process.

Until next time,

Ed Mazur

I love the weather change, most of the time!

I hate to use the old expression about New England weather, but I will use it anyway. “If you don’t like the weather just wait a few minutes” attributed to Mark Twain.

As September turns to October, change will be coming. As a financial advisor, I’d like to remind all of our clients and advisors to plan for change, because it’s a constant. I’ve told many clients over the years upon finishing up a financial review, that we should meet every 2 or 3 years to review everything as circumstances change like the weather.

The family that had made all the right financial moves and plans 2 years ago should take time to take a long hard look at their situation, just to make sure all is well in the planning department.

Now I’m thinking, “a stitch in time saves nine.”

Gosh I feel like an old wise man!

Until next time,

Ed Mazur

If you decided to drive to California from Boston, you're not going to just jump into your car and start driving West. That would be silly! 

In the old days you would buy maps, toss them in your car and you'd be off to the races, no pun intended. Nowadays we have the luxury of technology but in either case, with research and proper planning, we can make sure that we get to California the quickest and most efficient way possible without any dreadful mishaps to impede our trip and goals. 

The same planning should be used when thinking about your family upon your death or incapacity. If something happened to you, would your family feel like they are driving aimlessly to the West without any roadmap to tell them where your assets and liabilities are? In our experience, often times there is one person in a relationship who handles the finances and over time it can cause the other person to realize they would be lost without their partner and would have no idea where anything is.

Well, we can help you with the planning, it's what we do.

We have such a planning tool! It’s called the "Family Love Letter." If you'd like a copy, please let our office know and we'll be happy to send it out to you at no charge. It will help you organize and document all of your holdings and accounts which would make life easier for you and your heirs. It's not an easy task but one that will be well worth the effort you put into it. 

I recognize that some of you may want to revisit your planning for your family and if that's the case, please let us know and would be happy to set up a convenient time to get together. Should we be checking the beneficiaries on all of your life insurance policies?

Take advantage of the "Family Love Letter".

My very best to you all,

Edward Mazur

In July, my grandson and granddaughter competed in the U.S. Junior Nationals in karate. In the competition, they competed against the very best athletes that practice karate including members of the current USA Junior Team.

As in most ventures, you need to see the best to understand what has to be done to compete against he very best! It is the same in everything we do. You have to compete and expose yourself to the “best” if you want to win.

In financial planning you need to work with a financial advisor that you trust and admire! Someone who can coach you through the planning process, gently guiding you down the path of financial planning.

They will help you reach your destination quicker and easier than if you do it yourself. They provide you with a roadmap to take you where we want to go with no detours or time wasted going the wrong way. Give us a call if we can help!

Until next time,

Edward Mazur

In July, my grandson and granddaughter competed in the U.S. Junior Nationals in karate. In the competition, they competed against the very best athletes that practice karate including members of the current USA Junior Team.

As in most ventures, you need to see the best to understand what has to be done to compete against he very best! It is the same in everything we do. You have to compete and expose yourself to the “best” if you want to win.

In financial planning you need to work with a financial advisor that you trust and admire! Someone who can coach you through the planning process, gently guiding you down the path of financial planning.

They will help you reach your destination quicker and easier than if you do it yourself. They provide you with a roadmap to take you where we want to go with no detours or time wasted going the wrong way. Give us a call if we can help!

Until next time,

Edward Mazur