Cu$$en About Money

“It’s not the return on my money that concerns me, it’s the return of my money.” 

– Will Rogers

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401(k) Advice and Management

Employer-sponsored retirement plans are often one of the largest assets in the average American household. I can show you how to protect your hard-earned savings from market risk and still achieve a competitive rate of return.

Retirement Income Planning

Statistics show that one of the chief financial concerns retirees have today is the risk of outliving their money. You can find out more about safe ways to save for retirement at www.cussenaboutretirement.com.
I can help you achieve a secure retirement using streams of income that are guaranteed to last for as long as you live.

0 %

of Americans have no retirement savings

– 2020 Federal Reserve Report

Your Path to a Secure Retirement Starts Here

    Mark Philip Cussen - SafeMoney.com

    Mark has over 25 years of experience in the financial industry and has worked as a stockbroker, mutual fund customer service representative, income tax preparer, financial planner, mortgage originator and life insurance agent. He also has several years of experience working with military service members and their families in various capacities. He started Cussen About Money with the goal of providing his clients with safe ways to save for retirement. www.cussenaboutretirement.com

    Financial Planning & Management
    Services

    Estate Planning
    Estate Planning
    Estate Planning

    I can create an estate plan for you that will adequately provide for your dependents, exempt your assets from the probate process and ensure that your life and finances are taken care of if you become incapacitated. Your documents will be prepared by a live estate planning attorney. And I can do all of this at about half to a third of the cost that a brick-and-mortar estate planner would charge you.

    Estate Planning
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    My Mission Is to Guide You to a Secure Retirement

    I can help you to stretch your retirement dollars further, leave more assets to your heirs, settle your estate and accomplish a host of other financial goals using time-tested strategies and the knowledge and experience that I have accumulated over the past 25 years.

    For married couples, there is at least a 90% chance that at least one of you will need some form of long-term care before you die.

    Mark P. Cussen, CMFC

    Financial advisor

    • Understand Your Time Horizon

      Your current age and expected retirement age create the initial groundwork for an effective retirement strategy.

    • Determine Retirement Spending Needs

      Having realistic expectations about post-retirement spending habits will help you define the required size of a retirement portfolio

    • Calculate After-Tax Rate of Investment Returns

      Once the expected time horizons and spending requirements are determined, the after-tax real rate of return must be calculated to assess the feasibility of the portfolio producing the needed income.

    • Assess Risk Tolerance vs. Investment Goals

      You need to make sure that you are comfortable with the risks being taken in your portfolio and know what is necessary and what is a luxury.

    • Stay on Top of Estate Planning

      A common retirement plan investment approach is based on producing returns that meet yearly inflation-adjusted living expenses while preserving the value of the portfolio