I'm Lorenzo Hardy
Independent Financial Adviser for 12
years.Licensed by the National Association of Securities Dealers, the Securities and Exchange Commission as a Registered Investment Adviser on the federal level.

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Archive for the ‘Retirement’ Category

Consulting Services

Wednesday, June 17th, 2009

L H Financial Services Inc. gives seminars on the five phases of financial planning. These classes are designed for companies with employees who want to understand taxes, insurance, investments, retirement?and estate planning. The course has five sessions lasting two hours and can be done on or off site depending on employer’s preference. It’s important to note that most workers do not understand their finances and do not contribute to 401k’s or IRA and have a hard time preparing for retirement or any other major events like buying a home or saving for a college education. This course will get them on the right track and promote employee retention, 401k contributions and give them the tools to maximize their paychecks.


Wednesday, June 17th, 2009

For many Americans, retirement translates into freedom: You’re finally free from the “daily grind” The days of getting up to the buzz of an alarm clock, rush hour traffic and dealing with troublesome bosses, co-workers, suppliers, or customers. You finally have all the time you want to relax, travel, visit friends and relatives, or pursue hobbies such as golfing, gardening, reading, or sewing. You might even start a new career. At last, your time belongs to you and you alone.

But the thought of retirement also can be stressful. The realization that you’re not going to a job every day can create perceptions of uselessness, isolation and lack of worth. The thought of having to live without the familiar paycheck also can produce financial stress and penny-pinching. How do you reduce that stress? It all boils down to this; you can reduce or even eliminate the anxiety through self-education and financial planning.

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