Who We Are
Welcome, I’m Noel Spencer, a financial advisor in Newburgh, NY. We understand that individuals face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether your goal is preparing for retirement, college savings, or estate strategy, our personalized service focuses on your needs, wants, and financial goals and objectives.
Our professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you through all stages of your life.
Check back regularly to register for our upcoming events and seminars.Learn more
Special insight and perspective to help business owners pursue their objectives.Learn more
We can help take some of the mystery out of preparing for your financial future.Learn more
How Income Taxes Work
A quick look at how federal income taxes work.
Around the country, attitudes about retirement are shifting.
Six Most Overlooked Tax Deductions
Six overlooked tax deductions to help manage your tax bill.
Bitcoin has emerged as a digital currency that exists virtually, making it different in fundamental ways.
Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
When selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.
Entrepreneurs all face the same question, “Which business structure should I adopt?”
The Economic Report of the President can help identify the forces driving — or dragging — the economy.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Estimate the total cost in today's dollars of various mortgage alternatives.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Estimate how much income may be needed at retirement to maintain your standard of living.
This calculator can help you estimate how much you may need to save for retirement.
This calculator can help determine whether it makes sense to refinance your mortgage.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Using smart management to get more of what you want and free up assets to invest.
There are some smart strategies that may help you pursue your investment objectives
How federal estate taxes work, plus estate management documents and tactics.
Would you guess that Millennials are effectively saving for retirement? Well, they are.
With alternative investments, it’s critical to sort through the complexity.
What are your options for investing in emerging markets?
How do the markets usually react to elections? Was the 2016 election any different?
If you died, what would happen to your email archives, social profiles and online accounts?
Despite recent tax-law changes, many Americans are expected to pay the AMT this year.