Broker Check

501 W John Street
Matthews, NC 28105

American Prosperity Group

(704) 708-5001

 
Should You Tap Retirement Savings to Fund College?

 

Bill Romeo, CFP®
CERTIFIED FINANCIAL PLANNER™

American Prosperity Group  Matthews, North Carolina

Thank you for visiting APG of Matthews, North Carolina. As is true with all American Prosperity Group  Representatives, my practice is exclusively focused on retirement, estate, and long-term care planning. My single purpose is to educate you on what I consider one of the best retirement and estate planning strategies available in the industry today, and then develop and implement financial plans and programs that allow you to safely grow and protect your hard-earned savings, as well as turn those savings into a reliable income stream for the rest of your life when you retire. In addition, we'll work closely together to develop comprehensive estate plans that will efficiently transfer your estate to your heirs in a manner that satisfies your wishes, saves time, reduces costs, minimizes taxes and maximizes the size of the estate that you ultimately pass on to the family members and/or charities of your choice.

Do you have a relationship with a retirement planning professional or CERTIFIED FINANCIAL PLANNER™, with experience in the fields of retirement, estate planning and long-term-care? If not, why not? Could it be you feel that it’s too expensive or that your portfolio or estate isn't large enough? Not any more! Finally an opportunity exists to establish a relationship with an experienced professional in the areas of retirement and estate planning that can help you prepare for your financial future with no minimum net-worth requirement and never any fees for our consultations! Instead, we provide you unlimited, free consultations where we get to know you and your unique circumstances. We will share ideas and information with you and, after making recommendations and discussing:

  • The positive attributes and negative characteristics of any investment product discussed
  • All fees, expenses, or charges for acquisition, on-going maintenance and surrender
  • A comparison to the plans and programs already implemented or contemplated by you

We will then deliver the brochures and/or prospectuses to you (if applicable) of any products mentioned during this meeting for further study and research. You will then have ample time to decide if your APG Representative's recommendations make sense, and when you are comfortable we will implement these plans and programs where appropriate that we believe represents major upgrades to your existing retirement and estate plans.

Preparing for or living in retirement can often be a stressful and uncertain time. My ultimate mission is to help create peace of mind and confidence for my clients, and to become their financial friend and trusted advisor for life.

Please take some time to explore this website for more information on my services and to take advantage of the valuable free educational resources available in our "Resources Center Tab." In addition, you will not want to miss one of my live educational workshops so please take a look at our upcoming workshop schedule.

Once you've spent some time learning about APG and what we do, I would love for you to contact me so we can develop and put into action a comprehensive plan that is customized to your unique situation, circumstances, goals and desires.

This APG office is independently owned and operated. 

Helpful Content

Keys to Investing for Retirement

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement.

Acres of Diamonds

Acres of Diamonds

In life it often happens that the answers are right in our own back yards. This may be particularly true of investing.

Where Will Your Retirement Money Come From?

Where Will Your Retirement Money Come From?

Retirement income may come from a variety of sources. Here's an overview of the six main sources.

 

Types of Stock Market Analysis

Most stock market analysis falls into three broad groups: Fundamental, technical, and sentimental. Here’s a look at each.

A House Divided

By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls.

Social Security: Maximizing Benefits

There are other ways to maximize Social Security benefits, in addition to waiting to claim them.

How Does Your Credit Score Compare?

Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.

Does Your Child Need to File an Income Tax Return?

When your child has income, there’s a good chance that he or she will need to report it and pay taxes.

Is a SEP-IRA Right for Your Business?

For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.

View all articles arrow

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

Paying Off a Credit Card

Enter various payment options and determine how long it may take to pay off a credit card.

What Is My Risk Tolerance?

This questionnaire will help determine your tolerance for investment risk.

Interested in a Fuel Efficient Car?

Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.

Should I Buy or Lease an Auto?

This calculator compares the financial impact of leasing versus buying an automobile.

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

View all calculators arrow

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

View all presentations arrow

Inflation and Your Portfolio

Even low inflation rates can pose a threat to investment returns.

When Special Care Is Needed: The Special Needs Trust

A special needs trust helps care for a special needs child when you’re gone.

Coaches

Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.

What Smart Investors Know

Smart investors take the time to separate emotion from fact.

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

Rightsizing for Retirement

What does your home really cost?

View all videos arrow