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Your Life. Your Needs. Your Financial Plan.

Hello Rick,


Hope this finds you well and wishing you a Happy and Healthy 2025!



A new year is a traditional time to take stock of every facet of your life and to make New Year’s resolutions related to health, family, personal goals and more. It is also a good time to review your overall financial situation.


Check out this week's blog below.



Rick Fingerman, CFP® and Lyman H. Jackson, CFP®

Independent. Fee-only. Fiduciary

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Get a Handle on Your Debt

What are the key indicators of too much debt? It may not be what you think.

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We Specialize In Three Areas

Retirement Planning

Whether in retirement or nearing retirement, our time tested approach will help ensure you are on track



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Women in Transition

Recently widowed or divorced, our compassionate approach will give you peace of mind and a sense of empowerment

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Paying for College

With skyrocketing costs and little time left to save, without a college plan, one's retirement could be in jeopardy



Learn More

How to Feel Energized & Sleep Better With One Morning Activity


Dr. Andrew Huberman discusses how you can feel more energized and sleep better by doing one thing every morning—getting bright sunlight.

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Question of the Week



Should I contribute to my 401k or build up an emergency fund?

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Free Community College


The Healey-Driscoll Administration and state Legislature made public community college free for students of any age and income in Massachusetts...



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A half dozen uses for reverse mortgages.

Complimentary Webinar - Wednesday, Feb 5th.


Join special guest, Steve Pepe as he reviews the basic features of the FHA-insured Home Equity Conversion Mortgage (HECM) and demonstrates six scenarios where monetizing home equity through a HECM can be an effective solution for homeowners aged 62+.

Read More & Register

Did You Know?


The flashes of colored light you see when you rub your eyes are called “phosphenes.”

How I Became an Entrepreneur at 66


It's never too late to reinvent yourself. Take it from Paul Tasner -- after working continuously for other people for 40 years, he founded his own start-up at age 66, pairing his idea for a business with his experience and passion.

Using “atomic habits” to reach your health goals



Your health goals are probably easy to articulate, but your “system” – the collection of habits that you regularly follow — is what will ultimately determine whether you reach them.

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Recipe of the Week

Vegan Double Chocolate Cake Cookies


Vegan Double Chocolate Cake Cookies! Perfect for chocolate lovers and health enthusiasts alike, these Double Chocolate Cake Cookies are your new go-to dessert!

Recipe

Quote of the Week



“Nobody can go back and start a new beginning, but anyone can start today and make a new ending.”



– Maria Robinson


Until next week...


Wishing you good health and happiness. If you have any ideas you would like to see in the newsletter, reply to this email and let us know — We’d love to hear from you!

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Financial Planning Solutions, LLC ("FPS") is a fee only Registered Investment Advisor ("RIA") located in the Commonwealth of Massachusetts. FPS provides asset management and related services for clients nationally. FPS will notice file and maintain all applicable licenses as required by the various states in which FPS conducts business, as applicable. FPS renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion. 
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