Dayton, OH – May 4, 2013 – Bryon Spicer, author and retirement planning specialist, recently published a blog on his website (http://www.SpicerWealth.com) discussing the state of the economy. The blog, titled “Consumer Confidence Falters: An Economic Sign of Things to Come?” warns that significant threats remain for investors.

Bryon writes, “Consumer confidence is a big deal—because it directly impacts how willing consumers are to spend money. When confidence is high, consumers are willing to spend more freely. When confidence is low, worried consumers are likely to cut back on spending in preparation for ‘rainy days’ to come.”

Bryon K. Spicer, founder of Seniors Financial Services and Spicer Wealth Management, has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.” An advocate for comprehensive financial and retirement planning, Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently published his best-selling book Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game.

The entire blog can be found at http://www.spicerwealth.com/blog/consumer-confidence-falters-an-economic-sign-of-things-to-come.php

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon: 

Bryon Spicer has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years”.  An advocate for comprehensive financial and retirement planning, Bryon’s goal is to help ensure that all components of a client’s financial affairs work in collaboration, producing a more positive overall outcome.  He provides direction in multiple areas of finance.  His strategies focus on wealth accumulation, preservation, protection and transfer.  Being “tax efficient” in areas such as income, estate, capital gains, gift and generation skipping, he focuses on finding the proper combination of financial tools available in the market place to safely and legally position finances so you pay only your “fair share of taxes” both now and in the future.  Bryon specializes in identifying potential loopholes in financial and estate plans in order to detect where money potentially may be lost.  He will help structure your affairs so you may transfer your assets to loved ones efficiently while minimizing the costs of probate and estate taxes.  Bryon understands how hard you have worked and how important proper planning is to your continued financial success and future.

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently published “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game”.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau which shows the highest regards for intergrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.

Dayton, OH – April 30, 2013 – Bryon Spicer, author and retirement planning specialist, recently published an article on his website (http://www.SpicerWealth.com) discussing the future of the global economy. The article, titled “Do Falling Gold Prices Mean that the Global Economy is Strengthening?” explains that falling gold prices are typically a sign that investors are beginning to trust assets such as stocks and bonds.

Bryon writes, “In times of economic chaos, investors typically flock to gold. This is particularly true when investors fear inflation or stock market losses.”

Bryon K. Spicer, founder of Seniors Financial Services and Spicer Wealth Management, has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.” An advocate for comprehensive financial and retirement planning, Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently published Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game.

The entire article can be found at http://www.spicerwealth.com/articles/do-falling-gold-prices-mean-that-the-global-economy-is-strengthening.php

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon: 

Bryon Spicer has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years”.  An advocate for comprehensive financial and retirement planning, Bryon’s goal is to help ensure that all components of a client’s financial affairs work in collaboration, producing a more positive overall outcome.  He provides direction in multiple areas of finance.  His strategies focus on wealth accumulation, preservation, protection and transfer.  Being “tax efficient” in areas such as income, estate, capital gains, gift and generation skipping, he focuses on finding the proper combination of financial tools available in the market place to safely and legally position finances so you pay only your “fair share of taxes” both now and in the future.  Bryon specializes in identifying potential loopholes in financial and estate plans in order to detect where money potentially may be lost.  He will help structure your affairs so you may transfer your assets to loved ones efficiently while minimizing the costs of probate and estate taxes.  Bryon understands how hard you have worked and how important proper planning is to your continued financial success and future.

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently published “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game” which earned him the title of Best Selling Author.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau which shows the highest regards for intergrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.

Dayton, OH – April 5, 2013 – Bryon Spicer, author and retirement planning specialist, recently published an article on his website (http://www.SpicerWealth.com) discussing the stock market. The article, titled “Signs of Economic Recovery? S&P 500 Nears All-Time High” notes that considerable threats remain to the US economy.

Bryon writes, “At the very least, your portfolio should be diversified across a variety of asset classes so that you are not overly dependent on the Wall Street recovery to continue.”

Bryon K. Spicer, founder of Seniors Financial Services and Spicer Wealth Management, has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.” An advocate for comprehensive financial and retirement planning, Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently published Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game and became a best selling author.

The entire article can be found at http://www.spicerwealth.com/articles/signs-of-economic-recovery-sp-500-nears-all-time-high.php

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon: 

Bryon Spicer has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years”.  An advocate for comprehensive financial and retirement planning, Bryon’s goal is to help ensure that all components of a client’s financial affairs work in collaboration, producing a more positive overall outcome.  He provides direction in multiple areas of finance.  His strategies focus on wealth accumulation, preservation, protection and transfer.  Being “tax efficient” in areas such as income, estate, capital gains, gift and generation skipping, he focuses on finding the proper combination of financial tools available in the market place to safely and legally position finances so you pay only your “fair share of taxes” both now and in the future.  Bryon specializes in identifying potential loopholes in financial and estate plans in order to detect where money potentially may be lost.  He will help structure your affairs so you may transfer your assets to loved ones efficiently while minimizing the costs of probate and estate taxes.  Bryon understands how hard you have worked and how important proper planning is to your continued financial success and future.

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently published “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game”.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau which shows the highest regards for intergrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.

Dayton, OH – March 21, 2013– Bryon Spicer, author and retirement planning specialist, recently published a blog on his website (http://www.SpicerWealth.com) discussing the ongoing economic recovery. The blog, titled “Positive Momentum Continues to Grow: Is the Economy Finally Back on Track?” breaks down recent economic events from an investment perspective.

Bryon writes, “Though we are certainly seeing positive signs, it is far too early to conclude that “all is well.” Unemployment remains high, and the expanding government deficit raises the threat of increased taxation along with inflation.”

Bryon K. Spicer, founder of Seniors Financial Services and Spicer Wealth Management, has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.” An advocate for comprehensive financial and retirement planning, Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently published Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game.

The entire blog can be found at http://www.spicerwealth.com/blog/positive-momentum-continues-to-grow-is-the-economy-finally-back-on-track.php

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon: 

Bryon Spicer has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years”.  An advocate for comprehensive financial and retirement planning, Bryon’s goal is to help ensure that all components of a client’s financial affairs work in collaboration, producing a more positive overall outcome.  He provides direction in multiple areas of finance.  His strategies focus on wealth accumulation, preservation, protection and transfer.  Being “tax efficient” in areas such as income, estate, capital gains, gift and generation skipping, he focuses on finding the proper combination of financial tools available in the market place to safely and legally position finances so you pay only your “fair share of taxes” both now and in the future.  Bryon specializes in identifying potential loopholes in financial and estate plans in order to detect where money potentially may be lost.  He will help structure your affairs so you may transfer your assets to loved ones efficiently while minimizing the costs of probate and estate taxes.  Bryon understands how hard you have worked and how important proper planning is to your continued financial success and future.

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently published the book titled “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game” which made him a best-selling author.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau which shows the highest regards for intergrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.

Dayton, OH – March 4, 2013 – Bryon Spicer, Founder of Seniors Financial and Spicer Wealth Management, recently discussed the difference between reportable and non-reportable gold investment and why the distinction is important. Mr. Spicer explains:

There are tax consequences to getting this wrong and there are other government issues to consider.  The key discussion should be: What is a reportable vs. a non-reportable commodity purchase? Gold & Silver Bullion of any size is a REPORTABLE commodity.  So, if you are fearful of the economy, or a possible future demise of the dollar, this money is “on the radar.”

In 1933, the U.S. dollar was convertible to gold, rendering the government incapable of printing more money, as it is apt to do today. With fiscal discipline enforced by this convertibility, our faithful politicians (even back then) did the next best thing — they promptly confiscated American citizens’ gold, via executive order 6102 (signed by Franklin Delano Roosevelt), while remunerating them for the then-fair market value of $20.67 an ounce. Upon the successful completion of its gold confiscation, the U.S. government adopted the Gold Reserve Act in January 1934, which revalued the nominal price of gold from $20.67 to $35.00 per troy ounce. What a risk-free profitable trade for the federal reserve!

Mr. Spicer continued by providing an anecdote explaining why it’s important to ask whether a purchase is reportable or non-reportable:

Let’s say you have a shady seller who sells you a 32.15 oz Johnson Gold Kilo Bar for $56,100 today and does NOT report it as required. Five years later gold hits $5,000 an ounce (awesome for you !), BUT that dealer is gone. With more governmental enforcement, all buyers of gold will report (because they will face this same tax nightmare on their purchase if they don’t) and they enter you into the system with a $160,750 sale. What’s your capital gain?

Since you “worked” the system and stayed off the radar by getting a seller to not report; your basis is $0.00 Now when you sell you are taxed on a $160,750 gain – this is NOT subject to debate – this is fact and it is easily researched – you’ll pay 20% (or, the then current capital gain tax rate). Buying reportable commodities sets you up for tax scrutiny (FYI, I am not suggesting you buy non-reportable metals to avoid taxes – you are subject to gains and losses, but, the record keeping is your responsibility).

In addition, as you can see from above, the government tracks reportable commodities and the last go around proved that the seller (the American public) got a lousy deal. Does it make sense to buy gold coins? Please don’t hesitate to contact me to help you understand your best options!

For more information on this topic, or to learn how Bryon Spicer can help, please visit http://www.SpicerWealth.com

About Bryon Spicer:

Founder of Seniors Financial and Spicer Wealth Management, Bryon Spicer, has devoted more than three decades of his life to educating and assisting retirees and pre-retirees.

An accounting major at Wright State University, Spicer has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently reached the status of best-selling author with the publishing of his latest book titled “Don’t Get Sacked in Retirement” a quarterback’s playbook for winning the game.

Spicer is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups. Recognition from the media and the investment community has followed his firm because of consistent success.

Spicer’s firm has been recognized three years in a row by Cincinnati Magazine as one of the top wealth advisors in the area. In addition, Ohio State University respected Spicer so much that the prestigious establishment of higher learning brought him in as a guest lecturer to infuse future financial minds with relevant information. Spicer is also an approved member of the National Ethics Bureau, which shows the highest regards for integrity and ethical decision-making.

Spicer completed a 30-minute TV shoot with Patti Gribow that discusses the book “Don’t Get Sacked in Retirement” and the Consumers Guide to Finding the Right Advise Giver.

Investment Advisory Services offered through Spicer Wealth Management, an Ohio Registered Investment Adviser. Securities offered through GF Investment Services, LLC, Member FINRA/SIPC. Insurance services offered through Seniors Financial Services.

The information in this release is not intended to be tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.

Dayton, OH – March 4, 2013 – Bryon Spicer, author and retirement planning specialist, recently published an article on his website (http://www.SpicerWealth.com) discussing the economy. The article, titled “Will Sequester Cuts Hurt Your Portfolio?” warns investors that sudden spending cuts have the potential to harm the economic recovery.

Bryon writes, “Now, nobody disputes that we have a serious budget deficit problem. But many respected economists on both sides of the aisle would prefer to see the deficit dealt with in a more deliberate, sensitive manner.”

Bryon K. Spicer, founder of Seniors Financial Services and Spicer Wealth Management, has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.” An advocate for comprehensive financial and retirement planning, Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently published Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game.

The entire article can be found at http://www.spicerwealth.com/articles/will-sequester-cuts-hurt-your-portfolio.php

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon: 

Bryon Spicer has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years”.  An advocate for comprehensive financial and retirement planning, Bryon’s goal is to help ensure that all components of a client’s financial affairs work in collaboration, producing a more positive overall outcome.  He provides direction in multiple areas of finance.  His strategies focus on wealth accumulation, preservation, protection and transfer.  Being “tax efficient” in areas such as income, estate, capital gains, gift and generation skipping, he focuses on finding the proper combination of financial tools available in the market place to safely and legally position finances so you pay only your “fair share of taxes” both now and in the future.  Bryon specializes in identifying potential loopholes in financial and estate plans in order to detect where money potentially may be lost.  He will help structure your affairs so you may transfer your assets to loved ones efficiently while minimizing the costs of probate and estate taxes.  Bryon understands how hard you have worked and how important proper planning is to your continued financial success and future.

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently published “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game”.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau which shows the highest regards for intergrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.

Dayton, OH – February 28, 2013 – Bryon Spicer, author and retirement planning specialist, recently published a blog on his website (http://www.SpicerWealth.com) discussing the economy. The blog, titled “Gold Futures Falling: More Good News for the Economy?” notes that a drop in gold prices may signify good news for the economy at large.

Bryon writes, “The President gave his State of the Union address recently—and from an economic standpoint, it’s hardly newsworthy to point out that there is a lot of work still to be done. However, despite significant challenges, there continue to be signs which indicate a recovering economy.”

Bryon K. Spicer, founder of Seniors Financial Services and Spicer Wealth Management, has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.” An advocate for comprehensive financial and retirement planning, Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently published Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game.

The entire blog can be found at http://www.spicerwealth.com/blog/gold-futures-falling-more-good-news-for-the-economy.php

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon: 

Bryon Spicer has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years”.  An advocate for comprehensive financial and retirement planning, Bryon’s goal is to help ensure that all components of a client’s financial affairs work in collaboration, producing a more positive overall outcome.  He provides direction in multiple areas of finance.  His strategies focus on wealth accumulation, preservation, protection and transfer.  Being “tax efficient” in areas such as income, estate, capital gains, gift and generation skipping, he focuses on finding the proper combination of financial tools available in the market place to safely and legally position finances so you pay only your “fair share of taxes” both now and in the future.  Bryon specializes in identifying potential loopholes in financial and estate plans in order to detect where money potentially may be lost.  He will help structure your affairs so you may transfer your assets to loved ones efficiently while minimizing the costs of probate and estate taxes.  Bryon understands how hard you have worked and how important proper planning is to your continued financial success and future.

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently published “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game”.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau which shows the highest regards for intergrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.

Dayton, OH – February 15, 2013 –  Bryon Spicer, Founder of Seniors Financial and Spicer Wealth Management, recently explained inflation, its historical effect on the economy and how it affects our retirement planning today. Mr. Spicer explains:

Inflation is a multi-dimensional thing. It is not just the increase in prices.  Most Americans would agree that their view of inflation has to do with the prices of certain items and if the prices of those items they buy most frequently are up from the prior year – then they are dealing with the effects of inflation.

Price Inflation hurts retirement because most retirees live off a fixed income, so it is especially painful if the interest rates available from safe investments and bank-offered savings plans are low. It is a classic case of, “costs are up and revenue is flat.” However, there is a lot more to it.

Monetary Inflation is a whole different type of inflation. It is a simple inflation to track because it simply means the Government is asking the Federal Reserve to print more money. They are asking to inflate the amount of money available. This idea is, in historical terms, relatively new monetary inflation started during the Kennedy Administration and has been a steady policy in Washington since it started, regardless of political party. Democrats have inflated money supply just as the Republicans have inflated the money supply. And you know what? We, as Americans, like it. More money around equals more prosperity … As long as the money holds its value.

Monetary inflation likely played a key role in the decision to abandon the gold standard in the US, on  August 15, 1971, leading to the “Nixon Shock”.  In essence, the change to a floating exchange rate in the US represented a form of reset for our own currency right here in the United States.

What does this mean to us today? Mr. Spicer continued:

The debate will continue to rage on because although history says one thing you cannot ignore the following and very recent financial report:

10:12AM EST December 13, 2012

The CPI (Consumer Price Index), out Friday, sizes up prices paid by consumers. It’s expected to fall 0.2% for November.

Even the so-called “core” CPI, which omits prices for food and fuel, is expected to rise just 0.1%. This suggests possible deflation and not inflation at all even at a time where the amount of Government debt is reaching nearly unbelievable levels and the Federal Reserve is running the printing press 24/7.

The important thing to consider is the possibility of inflation and, more specifically, what are you doing with your finances to manage that possibility? If you don’t have a plan of action, you may consider some amount of your retirement money positioned to grow with inflation. For long term planning, it is likely a good idea since prices tend to go up over time.

For more information on this topic, or to learn how Bryon Spicer can help, please visit http://www.SpicerWealth.com

About Bryon Spicer:

Founder of Seniors Financial and Spicer Wealth Management, Bryon Spicer, has devoted more than three decades of his life to educating and assisting retirees and pre-retirees.

An accounting major at Wright State University, Spicer has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently reached the status of best-selling author with the publishing of his latest book titled “Don’t Get Sacked in Retirement” a quarterback’s playbook for winning the game.

Spicer is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups. Recognition from the media and the investment community has followed his firm because of consistent success.

Spicer’s firm has been recognized three years in a row by Cincinnati Magazine as one of the top wealth advisors in the area. In addition, Ohio State University respected Spicer so much that the prestigious establishment of higher learning brought him in as a guest lecturer to infuse future financial minds with relevant information. Spicer is also an approved member of the National Ethics Bureau, which shows the highest regards for integrity and ethical decision-making.

Spicer completed a 30-minute TV shoot with Patti Gribow that discusses the book “Don’t Get Sacked in Retirement” and the Consumers Guide to Finding the Right Advise Giver.

Investment Advisory Services offered through Spicer Wealth Management, an Ohio Registered Investment Adviser. Securities offered through GF Investment Services, LLC, Member FINRA/SIPC. Insurance services offered through Seniors Financial Services.

The information in this release is not intended to be tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. 

Dayton, OH – February 13, 2013 – Bryon Spicer, author and retirement planning specialist, was recently an expert guest on The Consumer’s Advocate television show. The show was recently featured on NBC, CBS, ABC and FOX network affiliates around the country.

“The Consumer’s Advocate” features an interview format, with host Nick Nanton interviewing experts on consumer driven topics from across the country. Bryon Spicer was one of the show’s recent guests, discussing how he has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.”

An advocate for comprehensive financial and retirement planning, Bryon Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently gained Best Selling Author status by publishing Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game.

The Consumer’s Advocate Show was produced by Emmy Award winning director and producer, Nick Nanton, Esq. and Emmy Nominated Producer, JW Dicks, Esq., Co-Founders of America’s PremierExperts® and The Dicks and Nanton Celebrity Branding Agency®.

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon: 

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently was recognized as a best-selling author by publishing “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game”.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau, which shows the highest regards for integrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.

Dayton, OH – January 31, 2013 – Bryon Spicer, author and retirement planning specialist, recently published an article on his website (http://www.SpicerWealth.com) discussing the current state of the economy. The article, titled “The State of the Economy: Is an Economic Boom on the Horizon?” explains that declining unemployment numbers could suggest that the economy is primed for growth.

Bryon writes, “Time will tell whether or not these statistics are just a fluke, or whether they are signs that unemployed Americans are finally able to begin finding jobs.”

Bryon K. Spicer, founder of Seniors Financial Services and Spicer Wealth Management, has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years.” An advocate for comprehensive financial and retirement planning, Spicer’s goal is to help ensure that all components of a client’s financial affairs work in collaboration. In short, he helps clients reach their retirement dreams. Spicer has held several designations, including Certified Insurance Counselor. He has co-authored a book titled “Issues of Aging”, and most recently published Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game.

The entire article can be found at http://www.spicerwealth.com/articles/the-state-of-the-economy-is-an-economic-boom-on-the-horizon.php

Learn more about Bryon Spicer and Spicer Wealth Management at http://www.SpicerWealth.com

About Bryon:

Bryon Spicer has devoted over three decades of his life to educating and assisting retirees and pre-retirees on how to plan for and protect their “Financial Security for their Golden Years”.  An advocate for comprehensive financial and retirement planning, Bryon’s goal is to help ensure that all components of a client’s financial affairs work in collaboration, producing a more positive overall outcome.  He provides direction in multiple areas of finance.  His strategies focus on wealth accumulation, preservation, protection and transfer.  Being “tax efficient” in areas such as income, estate, capital gains, gift and generation skipping, he focuses on finding the proper combination of financial tools available in the market place to safely and legally position finances so you pay only your “fair share of taxes” both now and in the future.  Bryon specializes in identifying potential loopholes in financial and estate plans in order to detect where money potentially may be lost.  He will help structure your affairs so you may transfer your assets to loved ones efficiently while minimizing the costs of probate and estate taxes.  Bryon understands how hard you have worked and how important proper planning is to your continued financial success and future.

An accounting major at Wright State University, Bryon has held several designations, including Certified Insurance Counselor.  He has co-authored a book titled “Issues of Aging”, and most recently published “Don’t Get Sacked In Retirement: A Financial Quarterback’s Playbook for Winning the Game”.

Bryon is a sought after speaker.  He regularly conducts public seminars on many advanced financial topics to the general public and special interest groups.  In addition he has been a guest lecturer at the Ohio State University.  Bryon is an approved member of the National Ethics Bureau which shows the highest regards for intergrity and ethical decision making.

Bryon has been married to his wife, Kay since 1985 and has one son.  He and his family are very active in their church, school and sports associations, with Bryon holding several board positions within each.