You wouldn’t likely go on vacation without a map. Why try to navigate through the complexities of contemporary financial life without a personal money road map?

- Buying a home or investment property?

- Deciding on leasing or financing a new car?

- Trying to weigh your options about employer benefits?

- How should you rebalance your 401(k) plan account?

- Maybe you know someone who’s evaluating whether or not it makes sense to do a Roth IRA conversion this year.

These and many other life-changing events all impact your personal bottom line.

To help make smarter money moves, Quest introduces the personal NAVIGATOR-on-CALL advisor program.

For less than the cost of a cup of coffee each day, busy individuals will have direct access to a board-certified financial planner to answer these and other questions by phone or email.

Call or email and mention this newsletter article for a FREE Morningstar Portfolio X-Ray Report and know exactly if your IRA or 401(k) are out of balance.

The road to retirement can be long, winding and in need of repair especially after the last couple of years we have experienced. It may have detours and sometimes goes uphill. At other times there’s a tailwind on flat open road.

There are a lot of stops along the way: college, marriage, job changes, growing a family.

The road to retirement really needs to be paved with more than good intentions.

The future is purchased by the present and to make the most of it you need to have a plan.

Do you feel confident that your plan can sustain you 20-, 30- or even 40-years in retirement?

Well, I know a number of professionals in a variety of fields. I’ve worked with many of them directly or have become aware of their quality integrity by close associates of mine.

If you ever find yourself asking for a name of someone to help you or your business, I encourage you to call any of the professionals highlighted here or found at www.atlanticreferralexchange.com.

THIS MONTH'S HIGHLIGHTED REFERRAL PARTNER

In times like these it is all the more important to keep what you have secure.

I recommend the security, alarm and surveillance services provided by Broadview Security (formerly Brink’s Security). For a security analysis and solution for your home or business, I personally suggest calling Wayne Lerman of Broadview. Wayne can be reached directly at 978-210-8045 or wayne.lerman@broadviewsecurity.com .

I’ve had an alarm and monitoring service for my home for the past couple of years with Wayne’s company. And it proved its weight in gold when one late summer night an intruder tried to enter through our backdoor while we were asleep. While I had forgotten to lock the back door, the instant alarm scared off the intruder.

And on the business side, Wayne’s business systems have saved my clients when their monitors alerted them to problems when the cooling systems started to fail for their mission critical computers.

Have you ever worried about a loved one being alone at night while you’re away? Ever wondered if your business systems are secure?

Give Wayne Lerman a call at Broadview Security: 978-210-8045.

This is not a paid endorsement but my way of sharing with you discounted resources that may help you, your family or your business. Mention this newsletter article and Wayne will help arrange a special installation discount.

While death and taxes are still the only two certainties in life, leave it to Washington to make accounting for them more complicated.

My highest priority is getting you where you want to be. I work with my clients providing them with the compass and road map to help them get where they need to go and where they want to be. For more than 20 years I have been coaching individuals on ways to improve and protect their personal bottom line. I am never too busy to help you or someone you know and care about. Regardless of the size of your portfolio, I'm here to help guide you through the many challenges of life's transitions so you can stay on course for financial success.

About Steve

Steve Stanganelli is a five-star rated, board-certified financial planning professional. His practice encompasses retirement income planning, investment management, divorce settlement analysis and college funding strategies. He is a published author and regularly presents on these topics to businesses, civic groups and community organizations.

Steve works with a variety of individuals and families with a special focus on Baby Boomer pre-retirees.

Steve earned his Master of Science degree in Finance (MSF) from Bentley College with high distinction. He is also an honors graduate of the University of Massachusetts - Lowell. Steve holds the designations of CERTIFIED FINANCIAL PLANNER^(tm) and CHARTERED RETIREMENT PLANNING COUNSELOR^(tm).

About Quest

Quest is an independent fee-for-service Registered Investment Advisor formed in 1996 by Bob Dubee, CPA/PFS, CFP^®. The team at Quest provides objective personal financial planning advice on a flat fee or hourly fee basis as well as risk-controlled investment management for personal portfolios.