Tom Daly - Financial Representative

05/28/2026

May isn't over yet.

Seems like you've had a lot going on this month.

That's fair.

But before you close out May, ask yourself one question: What would it mean if you actually hit that financial goal you set back in January?
Most people set goals. Very few act on them before the deadline passes.

Maybe you've been thinking about starting that investment. Maybe you've been putting off that life insurance conversation because it feels complicated. It sounds like you already know what you need to do — you just haven't made the move yet.

I'm not here to pressure you. I'm here to help you get it done.

I'm wrapping up my own monthly goals this week. If you want to sit down — even for 20 minutes — and talk through where you are, I've got time before the month ends.

What's stopping you from reaching out today?

Retirement account balances sank at the start of 2026 amid market swings, according to Fidelity. At the same time, more savers tapped their accounts for cash.

05/26/2026

Let's just talk. No pressure, no pitch — just clarity.
👇 Drop "PLAN" in the comments and I'll reach out personally.

05/21/2026

https://www.thestreet.com/retirement/dave-ramsey-flagged-three-behaviors-shrinking-retirement-savings

His warning targets routine choices that quietly diminish long-term retirement balances.

05/16/2026

The Rule of 72 is a simple mental math shortcut for estimating how long it takes an investment to double in value at a given annual rate of return.
The Formula

Years to double = 72 ÷ Annual interest rate (%)

For example, at a 6% annual return, your money doubles in roughly 72 ÷ 6 = 12 years.

Why It's Useful
It lets you quickly compare investment options without a calculator or compound interest formulas. It works because of the mathematics of exponential growth — 72 is a convenient approximation of ln(2) × 100 ≈ 69.3, but 72 has more factors (2, 3, 4, 6, 8, 9, 12) making mental division easier.

05/13/2026

Did you know you can contribute to both a 401(k) and a Roth IRA at the same time?

If your employer offers a 401(k) match, you're already building tax-deferred retirement savings — but pairing that with a Roth IRA can take your strategy to the next level. A Roth IRA allows your money to grow tax-free, and qualified withdrawals in retirement are also tax-free.

Here's a strategy worth considering: Before over-contributing to your 401(k) beyond the employer match, it may be worth prioritizing maxing out your Roth IRA first. Why? Because once you contribute to a Roth IRA, that money grows completely tax-free — a benefit that's hard to beat. After reaching the Roth IRA contribution limit, you can then redirect additional savings back into your 401(k).

Maxing out both accounts — where eligible — gives you diversified tax advantages now and in retirement.

Of course, Roth IRA contributions are subject to income limits, and every financial situation is unique. A portfolio review can help determine whether this dual-contribution strategy is right for you.

Interested in learning more? Let's connect and explore your options.

Send a message to learn more

05/04/2026

The average American spends more on life insurance than they should. I am one to believe at a certain point in your life you will not need insurance that we can work together to build your wealth by investing.

When's the best time to invest: NOW!
There is NO timing the market.
There is NO waiting for the "right" time.

Just start - we can work together to find suitable investment strategies for you and your family!

04/30/2026

I will be putting more content out there to help individuals and families with their financial needs, decisions and questions. Please message me if you have an questions or areas of concern with your finances. I am able to help because I am licensed within the states of NJ, NY, PA and investment licensed in FL. I have years of experience and have a great network and resourses that assist my clients and myself. Please follow and share!

Tom - 973-222-4002

04/29/2026

If you are looking to make part-time or spare-time income helping individuals and families, now is the time.

I am offering a special licensing fee to obtain, train and study for your financial services licenses. Help more families, individuals and yourself understand how money works, get out of debt and how to offer insurances and investments.

Contact me today, special stops at the end of the week.
973-222-4002

Send a message to learn more

04/22/2026

Get started today to better your financial health! Let's discuss your individual and loved ones needs. Schedule an appointment today. 973-222-4002

Send a message to learn more

04/19/2026

How much do you need?