On the other hand, it hardly seems fair that decisions made by men and women on the other side of the globe should impact our own family’s financial future. But we live in an inter-connected world, and that’s the reality. And so the recent New York Times report concerning the strength of the German economy is something we should all monitor:

The economic stagnation in Europe has taken a significant toll on Germany, with government figures released Tuesday showing that the Continent’s flagship economy contracted in the fourth quarter of last year.

The Federal Statistical Office in Wiesbaden estimated that the German economy shrank about 0.5 percent in the final three months of 2012, compared with the previous three months. The decline was largely the result of sagging investment by German managers worried about the future of the euro zone.

And despite reassurances from economists that growth would bounce back quickly in Germany, the data underlined how closely the country’s fate remained tied to its ailing euro zone allies.

“This idea that Germany is a powerhouse dragging the rest of Europe along with it is a bit of a myth, to be honest,” said Philip Whyte, a senior research fellow at the Center for European Reform in London. “You have a very weak periphery, and a core which is not as strong as everyone seems to believe.”

Throughout the European debt crisis Germany has managed to float above the bad news, enjoying record employment, rock-bottom borrowing costs and export-led growth that kept chugging in spite of the cloud hanging over the euro zone. But Germany’s European partners are also among its biggest customers, leaving it vulnerable to the Continent-wide slowdown made worse by the very austerity policies championed by Chancellor Angela Merkel.

The continued weakness of the European economy has made matters even more difficult here at home, as our own markets react to an unpredictable international environment. And while Germany has long been a bright light in a sea of dismal economic performance, it appears that they aren’t immune to this global downturn.

This is a situation very much worth monitoring. Please get in touch with us today if you’d like to learn more!

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.

Confidence among consumers fell in April to a three-month low as Americans grew more pessimistic about the outlook for the economy.

The Thomson Reuters/University of Michigan final index of consumer sentiment declined less than forecast, to 76.4 from 78.6 a month earlier. The median projection in a Bloomberg survey was 73.5 after a preliminary April reading of 72.3.

The figures indicate consumer spending may cool after climbing in the first quarter by the most since the end of 2010 and slow the pace of economic growth. Safeway Inc. (SWY) is among companies noting that shoppers, faced with higher payroll taxes and limited job growth, remain cost-conscious even as rebounding home prices help stabilize household wealth.

“We are seeing slightly softer growth but on the other hand household wealth looks pretty good,” Gus Faucher, senior economist at PNC Financial Services Group in Pittsburgh, said before the report. “The economy is continuing to expand but we do have some drags.”

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. And because a significant portion of economic activity relies on consumer spending, a decline can have serious consequences. Less spending means less income for businesses, which in turn can mean more layoffs, which further reduces consumer spending. It’s a vicious cycle.

As we have noted recently, investors must remain vigilant. While there are signs of recovery, there are also threats to be mindful of—including inflation, rising taxation, and market volatility. Declining consumer confidence only serves to highlight these threats.

If you’d like to learn more, or if you’d like help building a retirement portfolio that is protected against these economic threats, please get in touch with us today!

—

The information in this blog 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. This material was written and prepared by CelebritySites™.

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.

So what are we to make of the recent drop in the price of gold? Is this a sign that the economy, both here in the United States and globally, is recovering? USNews.com reports:

The price of gold is possibly the best proxy for the outlook on global stability, and lately the price of gold has been plunging. At about $1,400 per ounce, gold is down more than 15 percent so far this year, and down about 27 percent from the all-time high of $1,921 it reached in September of 2011. A lot of factors affect the price of gold, but in general, the value of gold rises when investors worry about the global economy and falls during better times when stocks and other assets seems like better investments.

The economy is still fragile, with chronically high unemployment in the United States, debt problems pervasive in Europe, and growth in China slowing more than expected. But there’s nothing new about these problems and in general, investors seem to be gaining confidence that the worst possible outcomes won’t happen. “Wherever there is a crisis, it is being patched up,” currency expert Axel Merk of Merk Investments wrote in a recent newsletter. “That doesn’t make the rest of the world ‘safe,’ but it may be perceived to be less risky than before the patch was applied.”

There’s no secret about who’s applying the patch: the Federal Reserve and its chairman Ben Bernanke, followed by the European Central Bank and now, the Bank of Japan. The Fed’s aggressive easy-money policies, known as quantitative easing, date to 2008 and could continue into 2014 or 2015. The ECB has been pursuing similar policies since 2012 and the Bank of Japan recently announced its own Fed-style easy-money program.

On the surface, the fact that gold prices are dropping sharply is a sign of increasing confidence in the global economy at large. These types of market signals are generally more valuable than any polling data or even analysis from economists—because these signals are created by investors literally “putting their money where their mouth is” and shifting their investments back into stocks, bonds, and other assets.

But there is reason for caution, and it’s made clear in the final paragraph of the excerpt we posted above. Namely, the fact that central banks are taking historically unprecedented action to stimulate their economies. For the time being, these actions appear to be successful. But a forward-thinking investor has to question the eventual consequences that may result from this aggressive stimulus. Specifically, the threat of inflation posed by this stimulus is significant. Stay tuned!

If you would like to learn more, we can help. And if you are ready to create a financial game plan for your future, get in touch with us today. We’ll help you create a portfolio that is protected against economic instability, inflation, and market volatility. We look forward to hearing from you!

–

The information in this article 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. This material was written and prepared by CelebritySites™.

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.

Stocks rose on Tuesday, driving the S&P 500 within striking distance of its all-time high, as strong data on home prices and manufacturing fed optimism about the economy, although the improvements were seen as slow.

Data showed U.S. single-family home prices rose in January at the fastest pace in more than six years while long-lasting U.S. manufactured goods, also known as durable goods orders, shot up in February.

 ”I think the batch of data was enough to convince investors that the U.S. economy is on the right track,” said Andrew Wilkinson, chief economic strategist at Miller Tabak & Co, in New York.

“At this point, it’s hard to argue that anything will derail the U.S. economy, and that is boosting investors’ confidence as they continue to load up on equities.”

Still, investors may look for reasons to take profits, with the S&P 500 up 9.4 percent so far this year. The rally has lifted the benchmark index near its all-time closing high, which it nearly reached on Monday.

The benchmark S&P 500 index traded on Monday just a quarter point below its all-time closing high, then retreated as investors cashed in gains in the wake of news out of Europe. Its record close stands at 1,565.15, set October 9, 2007.

In a sign that growth continues to be slow, sales of new U.S. single-family homes fell more than expected in February, and the latest reading on consumer confidence was weaker than expected.

Shares of homebuilding stocks were mixed. Lennar Corp (LEN.N) stock edged up 0.4 percent to $41.71, but Hovnanian Enterprises (HOV.N) shares slid 3 percent at $5.88.

Investors remained concerned about the negative implications of a financial rescue plan for Cyprus. They worried it would serve as a template for other euro-zone economies requiring bailouts.

As you can see, there are many mixed signals regarding the overall strength of the economy. In particular, the financial crisis in the European country of Cyprus concerns many investors. As you plan for retirement, one of the key questions you are likely asking yourself is “can we trust the market again?” After the crash of 2007-2008, it’s easy (and probably wise) to remain skeptical. 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.

If you’d like to learn more, or if you’d like help creating an investment plan that is protected against the dangers of market volatility, rising inflation, and increasing tax rates, we can help. Please get in touch with us today!

–

The information in this article 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. This material was written and prepared by CelebritySites™.

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.

Piece by piece, evidence has begun to accumulate that after four years of lackluster performance, the U.S. economy is on track for stronger growth than many people had expected.

The latest support for that view comes from data on consumer spending, which grew at a surprisingly quick pace in February, pushed upward by robust demand for cars and building materials.

The report this week from the Commerce Department came just a few days after employment figures showed faster improvement than most economists had projected, in large part because of the strong rebound of the market for housing. A measure of first-time unemployment claims fell to a five-year low last week.

The Great Recession of 2007-08, the steepest downturn since the 1930s, has been followed by a slow and bumpy recovery. Economists have been divided on whether growth eventually would accelerate.

The more optimistic among them have forecast that the economy would begin to accelerate once consumers and companies worked through the damage left behind by the housing bubble and debt crisis that triggered the recession. That process of “de-leveraging” has now largely run its course, and the new evidence may suggest faster growth in the coming months.

“What’s changed in the economy is that the key cyclical drivers of economic growth are kicking in,” said Wells Fargo Securities economist Mark Vitner, noting the gains in the automobile and housing markets. “We are further along the recovery process than many people realize.”

What does this mean for investors? Is the economy really back on track? Can “traditional” Wall Street investments be trusted? Investors and retirees who were burned in the crash of 2007 and 2008 won’t soon forget the experience—and with good reason. 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.

Not sure how to navigate these turbulent economic times? If you’d like help creating a financial game plan for your future, we can help. We’ll help you create a portfolio that is protected against economic instability, inflation, and market volatility. Get in touch with us today!

—

The information in this blog 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. This material was written and prepared by CelebritySites™.

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.