About Tom Roberts

2 3 2017 TFR PhotoTom Roberts is the Owner and Principal of A New Approach Financial Planning. He is a Certified Financial Planner™, a Registered Investment Advisor with the State of Florida and a fiduciary. As a fiduciary, he is legally obligated to put his client's needs first and provide the advice that is the best for them. As a member of The Garrett Planning Network, he has pledged to not accept commissions, payments or referral fees from third parties. This allows Tom to provide unbiased financial advice.

"I believe everyone can benefit from objective, independent financial advice. With your varied financial concerns such as retirement, investments and covering daily living expenses, everyone can use some assistance."

Before founding A New Approach Financial Planning in 2006, Tom had a successful engineering and management career in the power industry throughout the world. He has run various businesses focusing on providing excellent customer service. Tom grew up in the Northeast US, has lived in the Midwest and Atlanta before moving to Florida. He traveled extensively throughout Latin America and the Caribbean for five years. His educational background includes the CFP® practitioner certificate from Florida State University, a MBA from Goizueta Business School of Emory University and a BS Mechanical Engineering from Worcester Polytechnic Institute.

"My life experiences help me in working with people of all income levels, cultures and backgrounds. As a father of two, I understand the challenges of budgeting, investing, college, planning for retirement and assisting my parents. I am interested in using what I have learned to help others improve their finances."

Tom enjoys outdoor activities such as sailing, swimming, bicycling and hiking. He also enjoys travel, playing squash and listening to jazz.

Lakewood Ranch financial planner looks at costs of health care in retirement

It is no secret that health care is expensive. For most of us, annual health-care costs increase as we get older and threaten to become our largest expense item. Fidelity's latest study proclaims that the average 65-year-old will need $245,000 to cover health-care costs in their lifetime.

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Reducing your income risk is crucial when investing

When investing and managing your money, you must consider and deal with a number of potential risks.  Some of these are more important at different times in one’s life. If you are relying on your investments to provide income to pay your expenses, you are rightfully concerned about the stability of income.  Regardless of how you use the income, let’s look at how you can manage these risks and improve the reliability of your overall investment income.

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Why everyone needs to own bonds

Everyone should own bonds or bond-like investments, though you might ask why would anyone want to own bonds at this time? The value in owning bonds is not just for the known rate of income but also to provide a less-volatile rate of return and to provide stability to a portfolio. Providing stability and helping us deal with our instinctual desire to make the wrong moves at the wrong times may have the most value for investors.

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