James Lavorgna, Founder of Spencer Advisory Services, Discusses The sequence of Returns and Aggressive Retirement Planning.

James’s Story  
James wasn’t as lucky. He retired during a market downturn, experiencing a -15% return in his first year. Although the next three years brought returns of 5%, 10%, and 25%, the initial loss was damaging. Because he had to withdraw during a down market, his savings couldn’t recover, and he ran out of money after 25 years. 

About James Lavorgna 

Mr. Lavorgna started in the insurance business in 1976 and has been in the financial services industry for 45 years. He earned his Certified Financial Planning designation in 1984. He also has earned a Bachelor of Science in Finance, Juris Doctor (Litigation), Master of Laws in International Tax and Offshore Planning, and Master of Laws in Wealth Management and Private Banking. He has been in and associated with the investment industry since 1979. And is currently an Investment Advisor Representative of Forsyth Wealth Management, Inc., a fee-only Registered Investment Advisor and licensed insurance agent. He is also the Managing Member of Spencer Advisory Services, LLC, and a Certified Team Based Model Consultant. He has spent his career consulting with successful business owners and high-net-worth families. 

Learn more: spencervfo.com 

 Spencer Advisory Services, LLC (SAS) is not offering tax, legal advice or investment advice and is for educational purposes only. We strongly encourage people to seek advice from qualified tax and/or legal experts regarding the best options for their particular circumstances or hire the services of SAS. Investment advisory services are only offered through Forsyth Wealth Management, Inc.(FWM). Life, long-term disability, long-term care, or other non-variable insurance products are offered individually through licensed insurance producers. Any U.S. tax advice contained in communication was not intended, to be used and cannot be used, by the recipient for the purposes of avoiding penalties that may be imposed under the Internal Revenue Code or applicable state or local tax laws.