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My name is Terry Littell and I have been navigating the markets for over 40 years. As a finance graduate from Northeastern University (in the mid-eighties, yes, I am “experienced”!), I’ve seen, lived and prospered through quite a few of the financial calamities this country has been through over that time period. It can be done, but you must be smart about handling your money. Most people don’t have the training, nor the time to be experts on the best way to manage their money. Managing your money can mean different things to different people. I use it to mean much more than traditionally thought. Yes, it’s about planning for retirement, but it’s also about running your household budget to live the best possible way that your resources allow. Over the years I have formulated some pretty renegade thoughts about the status quo when it comes to financial institutions in our country. Let’s just say, at least for this short piece, that the financial behemoths in this country are pretty darn happy with the way things are structured. Are you?

 Want an example of what people are up against when it comes to the financial services industry? Are you a teacher, police officer, firefighter or in the military? Have student debt? Read this and weep! https://tonyisola.com/2020/12/the-murder-hole-of-consumer-finance/ 

As long as I’m posting things…..Have you ever wondered why the interest rate on credit card balances is so high, especially when compared to other rates paid on borrowed money? Click this for a little more information.

https://awealthofcommonsense.com/2020/06/why-are-credit-card-interest-rates-so-high/

July 2023 update:

Time waits for no-one! As we all continue to get older, especially for us baby boomers, we start to think about our priorities. I’m not immune from this. While I absolutely love what I do, the energy level starts to run down towards the end of the day. Not ever gonna stop my main job which is trading the markets, but I am going to start to wind down the counseling part of my days. It takes a supreme amount of energy to start my days by 6am and stay on top of things all day. To add meeting with people, analyzing their finances and coming up with informed recommendations is taxing to say the least. I’ve reached the point where I can’t give it the proper attention it deserves. Those of you that are currently “under contract” will continue to receive my attention. Those that aren’t, I wish you well in your lives financial journey!

November 2022 update:

My, my….another calamitous year in the markets. It’s getting to be a bad habit at this point. How have your accounts done over the past year? I’d like to say mine are all wonderful, but that wouldn’t be telling the truth. Even though I saw a lot of what has transpired coming down the road, I’m not totally happy with my positioning and the results it produced. It could of been a lot worse, but the markets are similar to golf in that no matter how good you play/invest, there’s always room for improvement. Get in touch if you’re ready to take better control of your financial lives.

March 2020 update:

Well, here we are in the middle of a health crisis, which is, out of necessity leading us into an economic one. I can’t do anything regarding the former, except hope and pray that our politicians and health care industries can bring this to an end as soon as possible.  What I can do though is help you prepare your finances to survive better the next crisis that comes along. And, let’s be honest here, there will be another one, at some point in time. In fact, it seems like these are happening more and more frequently. If your retirement funds are taking another battering through this (what’s this, the 3rd nasty draw-down in recent memory?), maybe you’re not doing it correctly. Now, I’m way too busy trading the markets to become your full-time advisor. I will however, once things settle down a bit, be able to sit down with people for a review of where they’re putting their money to see if it’s appropriate for their situation. If you haven’t realized it yet, the financial industry is set up for it’s benefit, NOT YOURS!