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Fred Leamnson

Retirement, Investing, Lifestage Based Planning
“Fred Leamnson, Founder and President of Leamnson Capital Advisory, LLC, is a veteran advisor who helps those preparing for or in their retirement plan for and live the kind of lifestyle they desire without fear of running out of money.”

Leamnson Capital Advisory, LLC

Job Title:

Founder and President


I am the founder and president of Leamnson Capital, a fee-only, a Registered Investment Advisor firm in Reston, VA. I work with people serious about preparing for and getting through retirement. Typically, they are in their fifties or already retired. I have over 30 years of experience in the financial services industry.

I live in Reston, VA with Cathy, my wife of 34 years and our two Akita's, Titus and Kaylee. On weekends, we enjoy spending time with their pups, taking them for walks on the Reston trails. We both enjoy bicycling, yoga, and regular workouts at the gym. We spend time visiting the many beautiful Virginia wineries — doing our small part to support the growing Virginia wine industry.


Assets Under Management:

$18 million

Fee Structure:


CRD Number:


All Articles
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February 2018
    Retirement, IRAs
December 2017
    Disability Insurance, Retirement, Social Security
October 2017
    401(k), IRAs, Retirement Plans, Retirement Savings
March 2018
    IRAs, Taxes, Retirement Savings, 401(k)
December 2017
    Retirement, Social Security, Taxes

All Answers
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    College Tuition, Debt, Financial Planning, Retirement, IRAs, Stocks
Why is paying additional money towards high-rate debt recommended before saving extra for retirement for young people?
100% of people found this answer helpful

That's a great question. And good for you for thinking so deeply about your finances at a very young age. Very impressive! Now to the question.

Here is my formula for to achieve financial freedom:

  1. Spend less than you make
  2. Save and invest the difference
  3. Avoid debt, especially high-interest credit card debt

A 6 -7 percent student loan debt is not what I would call high-interest debt. And if that is the only debt you carry, and you can comfortably make the payments and still save, an argument can be made to stay the course.

Here's something else to consider. If you paid off those student loans more quickly, say in 8 years vs. 15 and put the payments you were making on the loans into your retirement accounts, how much more would that add to the retirement pot?

Without the actual numbers (how much is going to your Roth and 457(b), amount of your loan payments), it's impossible to calculate the actual numbers. You can do this yourself, though. Calculate how much more you would have at your 5% rate if you put the money into your retirement accounts vs. staying on the loan repayment schedule. 

And don't forget, you're adding 6-7 percent to the cost of that money every year the loan is unpaid. Look at the loan principal and payment schedule and total up the interest saved for whatever period you reduce the loan by (8 years, 5 years, etc.). That savings can also go to your retirement accounts.

I think you'll find you'll be way ahead by paying off the debt early and putting that money to work in your retirement accounts or other investments.

Kudos again for trying to get this right. I hope this is helpful. Good luck!

May 2018
    401(k), IRAs, Taxes
What are the tax implications of moving my 401(k) into an IRA?
May 2018
    401(k), IRAs, Taxes
If rollover the amount in my Roth 401(k) account into my existing IRA account, and then take an early withdrawal, will the IRA distribution rules apply?
May 2018
    Retirement, Social Security, 401(k)
Will my husband's 401(k) distributions be reduced if he is just withdrawing the interest off of it?
April 2018
    401(k), Taxes
If I increase my contribution to my 401(k) account to an amount higher than what my company matches, will I have to pay taxes on the increased amount?
April 2018