Robert Henderson

CDFA
Personal Finance, Retirement, Investing
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“Robert is an independent Financial Planner. He specializes in retirement planning and the unique needs of divorcees.”
Firm:

Lansdowne Wealth Management, LLC

Job Title:

President

Biography:

Robert is the President and Advisor at Lansdowne Wealth Management.  Prior to founding the firm, Mr. Henderson was a financial advisor with a nationally recognized brokerage firm. His previous experience included numerous senior corporate financial positions, including Director of Finance and Accounting and Controller positions. Mr. Henderson holds a BS degree in Accounting from Bentley University, earned the Accredited Asset Management Specialist (AAMS) designation from the College for Financial Planning, and is a Certified Divorce Financial Analyst (CDFA).

Mr. Henderson is a resident of Mystic with his wife and two children, and is active in a number of local civic, community, and professional organizations: Estate and Tax Planning Council of Eastern CT (Vice President & Board Member), Groton Scholarship Fund (Board Member), MLK, Jr. Scholarship Trust Fund (Board Member), Member of the Greater Mystic Chamber of Commerce, and Mystic Little League coach and volunteer.

Education:

BS, Accounting, Bentley University

Assets Under Management:

$32 million

Fee Structure:

Fee-Only

CRD Number:

5089860

All Answers
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Most Helpful
    Retirement, Retirement Savings
With only $192,000 saved, should I retire or not?
88% of people found this answer helpful

All great answers and great insights from our other contributors!

My suggestion would be (and I'm making some assumptions here), that you do a couple things:

  1. Run your Social Security statement at https://secure.ssa.gov/RIL/SiView.do . This will show you what your benefit will be beginning at age 62 (if you needed to claim early), as well as Full Retirement Age, and age 70. Keep in mind (this is HUGE)...those are ESTIMATED benefits, and the SSA system assumes that you are going to continue working at the same income level until your retirement age. If you stop working a covered job prior to that, it will negatively impact your Social Security benefit.
  2. Assume that you are going to need to work in SOME capacity until traditional retirement age.
  3. Think about medical benefits. Prior to hitting age 65 (Medicare), it could be prohibitively expensive to secure adequate health insurance.
  4. Consider investing that saved money in some sort of investment vehicle. Even if it is something very conservative like bank CD's or a fixed annuity (not a fixed index annuity, but a FIXED annuity).  You are only 54, so that money might realistically need to last 30+ more years.
  5. Consider talking to a financial planner. Not someone that is looking to sell a product to you, but a planner that can help you make some good decisions about your financial future.

Best of luck!

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