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There are only two certainties in life, death and taxes.  We are aging from the minute we’re born.  The explosion in the senior market will continue to grow well into the 21st century.  One of the reasons is due to the baby boomers that will be seniors.  This is referred to as the ‘age wave’.  Life expectancy has increased.  2030 will see 70 million people who are 65 and older according to the U.S. Bureau of the Census, the fastest growing senior segment are those over 85 and living to over 100 has increased dramatically.

The Certified Senior Advisor addresses many of the aging issues of seniors, caregivers, and the family.  You can rely on the expertise of the CSA, and their professional network to provide the information necessary to give them confidence and control of their lives.

Some of the professionals that are in our network:

  • Elder-law attorneys
  • Estate Planning attorneys
  • Insurance – can be a very important estate planning tool
  • Reverse mortgage experts
  • Health care providers
  • Health care facilities
  • Investment advisor

These are some of the issues that seniors, caregivers, and their families should ask themselves:

  • Do you have enough money to retire?
  • Do you have enough money to last for the duration of retirement?
  • Are you financially able to maintain your home?
  • Are you physically able to stay in your home?
  • Do you want to be a burden to your children?
  • Do you have the right team working on your behalf?
If you answered no to any of the above questions, contact us today.

We create solutions for your concerns.




Tax tips for a successful retirement

brenda-headshotBrenda Hendrickson, a Rockaway resident and Certified Senior Advisor with an office in Fairfield, says she can turn you into a millionaire.

That, at least, is the claim and title of her award-winning book, “How To Be A Frugal Millionaire: Eight Simple Steps to Creating Personal Wealth.”

Hendrickson was born in New York City, but went to school at Fairleigh Dickinson University, where she graduated in 1982, before continuing with a full emigration into New Jersey.

She has been a tax and accountant specialist since graduating.

Hendrickson was inspired to write her book in 2006, by what she described as “the psychology of the general public that everything will stay going up.”

“One of my clients around 2006 could not live on $240,000 a month,” Hendrickson said. “A lot of us knew that everything is cyclical.”

The book turned out to be extremely prescient, its publishing timed just as the markets plummeted, in 2008.

Hendrickson has since won several awards—“the most memorable was the NJBIZ New Jersey’s Best 50 Woman in business”— has held a number of book signings, and has been a keynote speaker at various events.

And Hendrickson said she believes she has found the million dollar solution….



Start retirement planning as early as possible with your spouse

start_retirement_planning_as_early_as_possible_with_your_spouseTwo heads are better than one, especially when tackling an important, life altering situation such as retirement. When spouses or partners are both approaching retirement together, planning requires that both parties are involved in the decision making process, and that both parties have common values and goals.

The starting point is always the hardest. Creating a roadmap towards retirement will make the journey easier. The journey is lifelong and will take plenty of twists and turns before and after retirement. But because we have laid out the roadmap, we can get back on track with minor adjustments.

The roadmap is your retirement plan. The journey could be 10, 15, 20, or 30+ years away. The stops along the way are the items/projects that need to be completed. Rest stations are meeting with professionals to make sure the plan is still achievable. Follow this advice to make your retirement planning roadmap with your spouse.

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Brenda Hendrickson Interviewed by Dan Rafter Money Rates Columnist

Help! My spouse won't stop spending. Brenda Hendrickson CSAHelp! My spouse won’t stop spending

You’re a saver. Your spouse is a spender — maybe even a big-time spender. Is your marriage doomed?

Not necessarily.

Financial experts say that communication is the key to crafting a successful marriage — even when one spouse would rather sock away money and the other prefers to spend it until it’s gone. The worst case? When the spending spouse and the saver don’t talk about their financial issues until a giant credit-card bill forces them to address the problem.

“It’s all about communication,” says Leslie Tayne, founder of Tayne Law Group, PC, a law firm based in the New York City area that specializes in debt assistance. “Too often, spouses hide their spending because they don’t want to deal with the repercussions. The other spouse is taken by surprise when they receive this huge credit-card bill. That’s not the way to handle the situation. This can put great stress on a marriage.”

The better approach? Spouses need to talk out their financial problems before they can resolve them. And those spouses who are spending so much that they’re building an insurmountable pile of debt? They need to identify why they are spending so much and take steps to stop their dangerous financial behavior.

The power of communication

Tayne suggests that married couples meet once a week for an hour or so to discuss finances. This holds true even if spouses generally agree on how money should be spent. In cases where one spouse wants to spend more than a partner is comfortable with, these meetings become even more important. If both spouses are honest during the discussions, there at least won’t be any surprises on future credit-card bills.

But what of those spouses who hide their spending until it’s too late? Brenda Hendrickson, author of the book “How to be a Frugal Millionaire,” says that it’s important for married couples to determine why one spouse is spending so much.

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