Daren Blonski

Personal Finance, Retirement, Investing
“As the Principal of Enso Wealth Management, Daren Blonski takes the time necessary to clarify his client's goals, construct a strategy to achieve those goals, and support them through education, listening, and guidance.”

Enso Wealth Management

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Daren Blonski, co-founder of Enso Wealth Management, brings years of experience and expertise to the firm. As a CERTIFIED FINANCIAL PLANNER™ he has met rigorous professional standards while adhering to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence. Daren serves as lead advisor for many of the firms clients.

Daren has a client centered approach to investing, working with clients to simplify the road to achieving their financial goals. He takes the time necessary to clarify goals, construct a strategy to achieve those goals, and support clients through education, listening, and guidance. The highlight of his job is the joy clients experience when they reach financial fulfillment.

Daren has become an expert in his field with multiple financial designations including Chartered Retirement Plans Specialist℠ (CRPS®), and Chartered Retirement Planning Counselor℠ CRPC®. Clients value his fresh and creative approach to problem solving.

In his free time, Daren enjoys Crossfit. He is active in the community with his beautiful wife and three children.

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    Pensions, Social Security, Real Estate
Given the sum I am inheriting, and the pension and Social Security I am eligible for, can I afford to buy a house for $950,000?
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1. There really is only two numbers that matter in retirement.  What is coming in? What is going out? Whether or not you can afford this home is a function of analyzing expected flow in, and flow out. 

2. I would consider waiting longer to take your social security out.  62 is the earliest you can take it, with a substantial reduction in your payout for the rest of your life. When do you plan to stop working? Why take it at 62? 

3. Prior to buying this home, I would sit with a fee-only fiduciary advisor and have them work with you on constructing a financial plan. 

4. Questions to consider.  Why this home? Why now? Is this a good home for retirement? Are there lots of stairs in this home? Do we want to live in this home in retirement?  Where are we in the economic cycle, is this a good time to deploy cash into real estate?  What's the local real estate market like right now?  Is this a house or a home?

Daren Blonski

Enso Wealth Management

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    Investing, Taxes
How will the tax reform plan impact municipal investing?
50% of people found this answer helpful
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I accidentally withdrew a large sum of money from my Roth account instead of my regular account: what should I do?
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    College Tuition, Debt, 401(k)
How should I balance paying off my student loans and contributing to a 401(k) plan?
0% of people found this answer helpful
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    Marriage / Divorce, IRAs, Retirement Plans
Can IRAs be held jointly by spouses?
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