Your Money: Can You Afford to Retire?

Todd Cousino and Chuck Moyer, Financial Advisors of Cousino Moyer Retirement Group began helping their Downriver clients create better financial futures for themselves many years ago. Fast forward some 39 years for Chuck and 27 years for Todd and they have had the opportunity to pass on significant wisdom and advice to help their clients enjoy financially successful retirements.

“Focusing on individual client needs and making our clients, and their families our top priority.”

Under Todd and Chuck’s direction, Cousino Moyer Retirement Group, a financial advisory practice of Ameriprise Financial Services, LLC, has earned acclaim for the personal financial advice it offers. Among accolades, they made the Forbes Best-in-State Wealth Management Teams List for 2023, they received the Ameriprise Client Experience Award in 2021 AND 2022 and Todd Cousino has received the Ameriprise Circle of Success honors from 2018 through 2022.

“We have the full support of a Fortune 500 company1, yet we operate as a boutique Downriver financial planning practice; focusing on individual client needs and making our clients’ and their families our top priority,” said Cousino and Moyer.

We often get asked many of the same questions, such as:

  • Can I afford to retire?
  • Should I elect to take a lump sum pension or a monthly pension?
  • How can I reduce income taxes throughout my retirement years?
  • When should I begin collecting my Social Security Retirement benefits?
  • How should I position my retirement plan and other investments to provide me the income I will need?

While the questions are often the same, the answers are most certainly not. Each person’s situation is unique and while friends, coworkers, relatives, and neighbors will provide all the unsolicited advice a person doesn’t need, they mean well. However, they do not have the tools to do the proper analysis, and run the myriad scenarios needed to identify strategies that are in that person’s best interest.

We have the tools, experience, and staff to help you make informed, educated decisions so that you can feel good about your financial future. We have regularly scheduled review meetings to make sure that you remain on track for your goals and if not, adapt as needed. We adjust as the stock market and economy changes to make sure that you stay on the right path.

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Before we make recommendations to our clients, we use a simple litmus test by asking ourselves, “Is this a recommendation I would utilize for myself or my own family?” If the answer is no, then that recommendation is not given. We believe in full transparency by going beyond the industry disclosure requirements and providing each client with their complete monetary fees and our complete compensation.

If you are unsure whether you can afford to retire, whether your investments are properly positioned, or you need advice on a lump sum pension, Social Security claiming strategies, and more, we will help guide you to your financial destination. Call us today at 877-2-RETIRE.

Cousino Moyer Retirement Group is a financial advisory practice of Ameriprise Financial Services, LLC.

1 FORTUNE Magazine, Fortune 500 ranking published June 2022 is based on 2021 total revenue.
Ameriprise Financial cannot guarantee future financial results. Ameriprise Financial, Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
The 2023 Forbes Best-in-State Wealth Management Teams list is developed by SHOOK Research and is created using an algorithm that includes both qualitative (in-person, virtual and telephone due diligence meetings; client impact; industry experience; review of best practices and compliance records; and firm nominations) and quantitative (assets under management and revenue generated for their firms) data. Certain awards include a demographic component to qualify. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. This ranking is based on the opinions of SHOOK Research, LLC, is not indicative of future performance or representative of any one client’s experience and is based on data from the previous calendar year. Forbes magazine and SHOOK Research do not receive compensation in exchange for placement on the ranking. For more information: SHOOK is a registered trademark of SHOOK Research, LLC.
The Ameriprise Client Experience Award is earned by a practice based on three measurable statistics that reflect the value of goal-based advice to our clients: client experience rating; percentage of clients over a certain asset level in advice relationships; and, once the practice has exceeded a minimum amount of net flows, the percentage of net flows derived from assets under management.
Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2023 Ameriprise Financial, Inc. All rights reserved. 5666598ACMR0523
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