"Hello, and thanks for stopping by.  Hopefully I can shed some light on the sometimes confusing path to a financially comfortable retirement.  Investments, taxes, insurance, estate planning: the list of financial concerns and considerations facing those of us in the retirement age zone is seemingly endless.  There is no golden path or easy highway.  It takes information, insight and assistance to clear the road ahead. I want to make the journey easier.

The purpose of this website is to provide that information, insight, and assistance.  If you have a question I'll answer it.  If you have a retirement income concern I'll address it as directly as possible. I'll also discuss the issues and decisions you are facing.

What I won't do on this website is sell you.  Of course I'd like to be your investment consultant, but first and foremost I want to be your handy resource for information concerning your retirement.  That's why this website is named "The Retirement Income Focus", and that's what my business is all about."

                                          Thomas M. Schultz    Investment Consultant   thomas.schultz@lpl.com
Copyright 2008-2010 by Thomas M. Schultz, Investment Consultant. 3200 Niagara Falls Blvd. North Tonawanda, NY  14120  (716) 693-6302 thomas.schultz@lpl.com
Thomas M. Schultz, Investment Consultant

Securities offered through LPL Financial member FINRA/SIPC
The LPL Financial registered representative associated with this site may only
discuss and/or transact securities business with the residents of the following
states:  New York and South Carolina.
Ask for your free retirement tips brochure today. e mail me at: thomas.schultz@lpl.com