Retire Wealthy
The Tools You Need to Help Build Lasting Wealth - On Your Own or With Your Financial Advisor
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The concept of retirement has been around for centuries. The idea was that people would work for their entire adult lives, until one day they either couldn’t do the job anymore physically, or some other reason forced them to leave their employment. Within a short period of time, they were deceased. Sound like fun? In the U.S., “retirement age” is often set as a somewhat arbitrary figure imposed by an employer or the government, like the age at which one becomes eligible for a pension or Social Security Income. However, when Social Security was created, most people joined the workforce by 18 years of age, worked until they were 65, and were dead by 72. Today, many people don’t join the workforce until after college or graduate school (say 22 to 25), they want to retire at 55, and could live to be 107. Needless to say, the old model won’t work in most cases. Some people think of retirement today as working one job instead of two, while others think of it as time on their yacht in the Mediterranean. Clearly, they can’t use the same definition or measuring instrument to determine what retirement is or is not. For our purposes, let’s use the following to define “retirement” – the age or moment in life when work becomes optional. That way, for those who want to start businesses after leaving the employ of another, or for those who want to get the gold watch and ride off into the sunset, everyone is covered by the same standard. When you have achieved enough financial wherewithal to eschew any and all income-producing activities other than those you want to pursue, in my mind you are “retired.” In other words, it is the absence of needing to work, not the absence of working that defines retirement. While we’re at it, I would propose that we all think of “retirement” more along the lines of “graduation.” A graduation is always something to celebrate – a new chapter, opportunity, or series of life choices. It is a new door being opened. Since retirement sounds like a door being closed, I prefer to think of the positive versus the negative and would rather experience the excitement of launching “Eric Brotman 2.0” when I retire, as opposed to withdrawing and retreating from life.
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About the Book
Retire Wealthy, author Eric D. Brotman’s second book, aims to provide readers with the tools needed to achieve financial independence in retirement. Specifically, Retire Wealthy serves as a financial literacy resource for readers who want to learn the basics of financial planning and wealth-building – whether working on one’s own or with a financial advisor. This highly informative book breaks down investment principles and vehicles in simple language to take the fear out of financial planning and motivate readers to begin the journey to financial independence.
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About the Author
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Eric D. Brotman, CFP®, AEP®, MSFS is President and Managing Principal of Brotman Financial Group, Inc., an independent firm assisting clients with wealth creation, preservation, and distribution. Mr. Brotman began his financial planning practice in Baltimore in 1994, and founded Brotman Financial Group in 2003. He provides investment, retirement, estate, insurance, and comprehensive financial planning services for families, professionals, executives, and business owners. Mr. Brotman’s clients enjoy extraordinary client service from working with multiple CFP® Practitioners and a team of specialists.
Mr. Brotman holds a Bachelor of Arts degree from the University of Pennsylvania. He earned his CERTIFIED FINANCIAL PLANNERTM (CFP®) certification in 1998, and completed his Master's Degree in Financial Services (MSFS) at the American College in 2003. He is also a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (ChFC), an Accredited Estate Planner (AEP®), and a Chartered Advisor in Senior Living (CASL). Mr. Brotman is a Registered Representative and Investment Advisor Representative with NFP Advisor Services, LLC.
Mr. Brotman’s 2nd book, “Retire Wealthy: The Tools You Need to Help Build Lasting Wealth – On Your Own or With Your Financial Advisor,” was published in 2014 by AuthorHouse as a follow-up to “Debt-Free for Life: The Tools You Need to Free Yourself from Debt,” published in 2009 by One Hour or Less Publishing, LLC. He is a 2006 alumnus of Leadership-Baltimore County and a 2009 alumnus of Leadership Maryland, where he is serving as Vice Chairman on the Board of Directors. Mr. Brotman serves on the Board of Trustees and is the chairman of the University Advancement Committee at Stevenson University, where he previously served as an adjunct faculty member, teaching financial planning and investment planning courses to CFP® students. He is a Past-President and Chairman of the Board of the Financial Planning Association of Maryland, and is serving on the advisory board for the Fusion Advisor Network, where he also facilitates study groups for financial advisors within their nationwide network. He is a member of the Baltimore Estate Planning Council, and the Maryland Chamber of Commerce, where he served as Chairman of the Business Development Council. He is a champion for financial literacy programs for high school and college students, and serves on the Business Advisory Council for the Comptroller of Maryland.
Mr. Brotman's practice includes clients ranging from individuals to multigenerational families throughout the United States. He represents numerous small businesses and medical practices and assists in the long-range planning for executive benefits and partner buy-outs. Mr. Brotman frequently gives seminars and workshops for companies, membership organizations, and fellow financial advisors, and he has been a featured speaker for educational and career conferences, where he has addressed groups as large as 1,500 people on topics related to financial planning, business succession planning, entrepreneurship, and insurance matters. He was involved in assisting families of victims from 9/11 on a pro-bono basis, and has counseled dozens of employees from major local companies at the time of their voluntary or involuntary separation from service.
Mr. Brotman appears regularly on television on 11 News Sunday Morning on WBAL in Baltimore, as well as in print in Wall Street Journal, The Baltimore Sun, Baltimore Business Journal, The Daily Record, Smart CEO, Investment Advisor, Fidelity Investor's Weekly, Investment News, Journal of Financial Planning, Wealth Manager, National Underwriter, Registered Representative, Entrepreneur, Baby Years, Life Association News, and American Way, the American Airlines in-flight magazine. He also publishes articles periodically on the Adviceiq.com website, and has appeared on the Morningstar Advisor, Financial-Planning.com, and Forbes.com websites. Mr. Brotman was recognized as one of the “Maryland Power Players” by The Gazette of Politics and Business in 2010 and was named one of the “Very Important Professionals” by The Daily Record in 2011.
Securities and Investment Advisory Services offered through NFP Advisor Services, LLC (NFPAS), member FINRA/SIPC.
Brotman Financial Group is a member of Fusion Advisor Network, a platform of NFPAS. NFPAS is not affiliated with Brotman Financial Group, Inc.