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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.




How to pay off credit card, student loan, and home mortgage debt

how_to_pay_off_credit_card_student_loan_and_home_mortgage_debtIt’s so easy to pull out the credit card, apply for a loan, go with the financing option on a car or other large purchase. It’s not really money, many think. But hard earned money has to pay the bills, and all money borrowed—whether it’s a line of credit or an interest rate that is applied when an item is not paid in full up front—is bill that must be paid.

Are credit cards debt? Absolutely. Debts include, but are not limited to, credit cards, car loans and leases, mortgages, and student loans. They are burdensome liabilities with sometimes overwhelming monthly payments. The more debt you have the longer it takes to pay them off. Can you be debt free? Yes, that should be the goal. Follow this advice for financial freedom.

Click here to read the full article


Listen to Brenda Hendrickson Interviewed by Joel Riley on This Morning On WTVN

microphoneBrenda Hendrickson, Certified Senior Advisor and Author of “How To Be A Frugal Millionaire,” was recently interviewed by radio host Joel Riley, of the This Morning radio program on WTVN.

WTVN (610 kHz.) is a News/Talk AM radio station located in Columbus, Ohio, USA. WTVN is currently owned by Clear Channel Communications, along with sister stations WBWR, WCOL-FM, WNCI, WODC, and WYTS. Its studios are located in West Columbus and the transmitter site is in South Columbus.

Listen to a clip from the interview below. Or click here to download the clip. 



New Jersey Tax Professional Celebrates Milestone Anniversary

Brenda HendricksonFAIRFIELD, NEW JERSEYBrenda Hendrickson CSA, LLC celebrates 10 years of professional affiliation with the National Association of Tax Professionals (NATP), a nonprofit professional association founded in 1979, and committed to excellence in taxation. NATP members dedicate themselves to continued education and a high code of ethics and professional conduct.

Brenda Hendrickson, CSA has been in the accounting and tax field for over twenty years and is owner of an accounting and tax firm, Brenda Hendrickson CSA, LLC, in New Jersey. She received her BS in Economics and Accounting from Fairleigh Dickinson University, Madison, New Jersey. She went back to FDU where she received a certificate in the Certified Financial Planner Program. She received her Certified Senior Advisor designation, and Registered Tax Return Preparer designation from the IRS. She believes that education has been the way to pass the knowledge to her clients.

These credentials have positioned her to help numerous individuals and small businesses in several ways, first, to implement tax planning as a tool to maximize what is kept, second, to improve bottom line by designing QuickBooks to have more control of their business, be able to make timely management decisions, and have a pricing strategy to optimize net profits, and third, as an educator to teach accounting, QuickBooks at the college level and to organizations such as the United Nations.

She speaks on topics such as wealth management, tax tips and planning, and self publishing. She has been a featured speaker for Fairleigh Dickinson University’s Business Leaders of Tomorrow and panelist for its Horizon Program. She has been featured as an author and tax expert on Cablevision Channel’s 26. She has also been interviewed on radio on channels 1450 am, 98.3 fm, and recently on Rowan Radio Public Affair’s “A Community Affair” 89.7 WGLS fm, and numerous other speaking engagements. Brenda is a columnist on ExpertBeacon – a national financial website.

She has won numerous awards such as NJAWBO Essex Business Woman of the Year, 2009 NJBIZ 50 Best Women in Business, 2010-2011 President of NJAWBO Essex Chapter, and Essex Diversity Event Committee member for each year since its inception in 2006. She wrote a book “How To Be A Frugal Millionaire” available at

Her affiliations include National Society of Accountants, National Association of Tax Professionals, Society of Certified Senior Advisors, New Jersey Association of Public Accountants, The Association of Women in Communications, National Association of Realtors, and New Jersey Association of Women Business Owners.

The National Association of Tax Professionals (NATP) is the largest nonprofit organization that serves individuals specializing in tax preparation by providing tax education, federal tax research, tax updates and tax office supplies. NATP members work at offices that assist over 12 million people worldwide with U.S. tax preparation and planning. The average NATP member has been in the tax business for over 20 years and holds a tax/financial designation and/or a college degree. Formed in 1979, NATP’s member base includes enrolled agents, certified public accountants, accountants, attorneys and financial planners. The national headquarters, located in Appleton, WI, employs over 55 professionals. Learn more at