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, legacy, and long-term care planning. My single purpose is to educate you on what I consider one of the best retirement and financial estate planning strategies available in the industry today, and then develop and implement financial plans and programs that are designed to 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 financial plans that aim to efficiently transfer your financial estate to your heirs in a manner that satisfies your wishes, saves time, reduces costs, minimizes taxes and maximizes the size of the financial 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, financial 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 financial 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 legacy 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, complimentary 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 financial estate plans.

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

Please take some time to explore this website for more information on my services and to take advantage of the valuable no-cost 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

Rightsizing for Retirement

Rightsizing for Retirement

What does your home really cost?

Making Sense of U.S. Household Net Worth

Making Sense of U.S. Household Net Worth

A look inside the U.S. government's statistics on household net worth.

Measuring the Value of a Financial Advisor

Measuring the Value of a Financial Advisor

Ever wonder what the real value of a financial advisor is? It’s not just added portfolio returns.

 

When Life Insurance Becomes Taxable

Life insurance proceeds are generally tax-free. But not in all cases.

Directors and Officers Liability Insurance

Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.

Earnings for All Seasons

Earnings season can move markets. What is it and why is it important?

Important Birthdays Over 50

Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.

A Home Insurance Claim: To File Or Not To File

Learn when it may not make sense to file a claim on your home insurance.

Four Really Good Reasons to Invest

There are four very good reasons to start investing. Do you know what they are?

View all articles arrow

Doubling Your Money

This calculator demonstrates the power of compound interest.

My Retirement Savings

Estimate how long your retirement savings may last using various monthly cash flow rates.

Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Paying Off a Credit Card

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

How Much Home Can I Afford?

With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

View all calculators arrow

Long-Term-Care Protection Strategies

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

An Inside Look at Retirement Living

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

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Protecting Those Who Matter Most

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

View all presentations arrow

What Smart Investors Know

Smart investors take the time to separate emotion from fact.

The Fed and How It Got That Way

Here is a quick history of the Federal Reserve and an overview of what it does.

What to Do When You Lose Your Wallet

Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.

To Buy or Not to Buy

The decision whether to buy or rent a home may have long-term implications.

View all videos arrow



Helpful Content

Personal Finance Tips for Military Families

Personal Finance Tips for Military Families

Military families face unique challenges, making personal finance even more critical.

Should You Ever Retire?

Should You Ever Retire?

A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.

Keeping Up with the Joneses

Keeping Up with the Joneses

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

 

Putting a Price Tag On Your Health

Being healthy not only makes you feel good, it may also help you financially.

Assess Life Insurance Needs

How to help determine life insurance needs to provide for your family after you pass away.

Test Your Life Insurance Knowledge

How much do you know about one of the most important tools you have to help protect your and your family’s financial future?

Orchestrating Your Retirement Accounts

Getting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine.

Bitcoin 101

Bitcoin has emerged as a digital currency that exists virtually, making it different in fundamental ways.

Asset Allocation

Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance.

View all articles arrow

Estimate Your RMD

Help determine the required minimum distribution from an IRA or other qualified retirement plan.

Federal Income Tax

Use this calculator to estimate your income tax liability along with average and marginal tax rates.

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

Annuity Comparison

This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

View all calculators arrow

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

5 Smart Investing Principles

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

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Protecting Those Who Matter Most

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

View all presentations arrow

Will You Pay the AMT?

Despite recent tax-law changes, many Americans are expected to pay the AMT this year.

Suddenly Single: 3 Steps to Take Now

Have you found yourself suddenly single? Here are 3 steps to take right now.

The Fed and How It Got That Way

Here is a quick history of the Federal Reserve and an overview of what it does.

Are Alternative Investments Right for You?

With alternative investments, it’s critical to sort through the complexity.

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations? Here are three tips.

The Cycle of Investing

Understanding the cycle of investing may help you avoid easy pitfalls.

View all videos arrow