Emerald Retirement Planning Group Inc.

If you are retired, or within a few years of retirement, we expect you've had several advisors; that you have done a good job accumulating over the years; and yet for some reason, you have concerns.

We want you to know you're not alone. While many families successfully save money and set goals, we've found it's simply not enough to establish your long-term goals. You'll also need a lifestyle plan, a legacy plan, and an income plan that matches those goals--and then someone to help you keep it all together.

At Emerald Retirement Planning Group, that's what we do, and what we offer--systematic yet customized planning along with objective advice and counsel. Please call us to schedule some time to review our process. The first meeting is complimentary.

A Message from Matthew Clement, CFP(R), AIF(R):

I entered this profession in 2003 so that I could help individuals and families work to attain--and then maintain--their ideal lifestyle. The challenges to assisting my clients in this task are plentiful, most notably because everyone has a different set of circumstances, values, and goals, each of which may themselves be changing over time.

However, the fundamentals and principles that allow us to make important life decisions--and then take action toward their attainment--rarely change. And so any improvement in my ability to assist clients will pertain not to a reformulating or reordering of the basic framework which applies to each of us, but to the way in which I am able to communicate such principles, to connect them to the particular issue at hand, and then to encourage and support a course of action that is most aligned with the very values and goals that motivated this process from the beginning.

It is with this perspective that I commit myself, and my company.

Company:

The Mission of Emerald Retirement Planning Group is to consistently rise above expectations, and through continuous advancement of our process, methods, and activities, to positively and permanently impact both our clients and the financial planning profession.

Our Purpose:

Our company purpose is: To create value through improved perspective, improved behavior, and improved results. Said differently, do our clients understand the real issues? Are they acting in accordance with those issues? And are their results in alignment with their activity?

No two individuals or families are alike, and so no two plans will be alike, nor will be the steps taken to arrive at such plans.

That's why we've placed an emphasis on both the strength of our process and its ability to be customized to fit each client's individual needs. And just as you're never done refining your own long-term plan, we're never done refining our overall methods. Our commitment, therefore, and our promise to our clients, is to seek perfection in our trade through a process of never-ending improvement.

Our Clients:

Seeking our specialization in retirement planning and behavioral advising, Emerald's clients are patient, disciplined, and long-term oriented... or are at least working toward those qualities.

At all times, our clients depend upon our comprehensive process to assure that their strategies prudently and properly match their long-term goals, including their income requirements and overall lifestyle. We are timely and responsive, meeting with clients several times each year to review and refine the plan.

Our Foundational Philosophy - The Twelve Fundamentals:

GOALS. "Goal-Focused & Values-Driven: Why Any Other Plan Isn't Yours"
FREEDOM. "The Pursuit of Freedom & The Transition into Retirement"
FAMILY. "Family & Community: Involving Those Around You"
HEALTH. "Your Health Matters: Physical, Mental, and Social"
NOISE. "The Noise of News and Neighbors: Role of the 24 / 7 Media"
RISK. "Real Planning for Real Risks: Defining the Challenges"
FAITH. "Capitalism, Business Cycles & The Need for Faith in the Future"
EQUITY. "Big Rocks First: Asset Allocation & The Value of Equity"
BEHAVIOR. "A Behavioral Perspective: The Role of Patience & Discipline"
BALANCE. "Diversification & Rebalancing: The Only Two Responses"
MONEY. "The Net/Net of Real Money: Impact of Taxes & Inflation"
PHILOSOPHY. "Your Foundational Philosophy: The Articulation of Purpose"

Process and Services:

At Emerald Retirement Planning Group, we start with the end in mind. We begin with a process which results in a plan. And not just any plan, but a 3-in-1 Plan: Lifestyle, Legacy, and Income. Each area is unique, yet interrelated, and none may be ignored.

Regardless of what stage of life you are presently in, we'll determine how you desire to be living, starting right now and looking forward. This will be the foundation for your plan. We'll review and discuss the nature of transitioning through each stage of your plan. Finally, we'll determine the type of income, assets, and risk management you will require to accomplish it all, and what steps are needed both now and over time in order to work toward that result.

Taken all together, we "bridge the gaps," match your plan to your goals, and provide you a clear and purposeful path to follow.

Disclosures:

Nothing on this web site should be considered a solicitation to buy or an offer to sell shares of any mutual fund in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction. The use of the Emerald Retirement Planning Group web site is at your own sole risk. Information is provided on an "as is" and "as available" basis. Emerald Retirement Planning Group makes no warranty that information will be uninterrupted, timely, secure, or error free.

Please carefully consider the fund's investment objective, risks, charges and expenses applicable to a continued investment in the fund before investing. For this and other information, call or write to for a free prospectus, or view one online. Read it carefully before you invest or send money.

Cantella & Co., Inc. does not provide legal or tax advice. For legal or tax advice, please seek the services of a qualified professional.

This web site is published solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. References made to third parties are based on information obtained from sources believed to be reliable but are not guaranteed as being accurate. Visitors should not regard it as a substitute for the exercise of their own judgment. Any opinions expressed in this site are subject to change without notice and Emerald Retirement Planning Group is not under any obligation to update or keep current the information contained herein. Emerald Retirement Planning Group accepts no liability whatsoever for any loss or damage of any kind arising out of the use of all or any part of this material. Our comments are expression of opinion. While we believe our statements to be true, they always depend on the reliability of our own credible sources. We recommend that you consult with a licensed, qualified investment advisor before making any investment decisions.

Trademarks and service marks herein are their owners' property. Third-party data providers make no warranties or representations of the accuracy, completeness, or timeliness of their data and shall not have liability for any damages relating to such data. This report or portions of it may not be reprinted, sold or redistributed without the written consent of Matthew S. Clement. Additional information on recommended securities is available on request.

Diversification does not ensure a profit or guarantee against a loss. There is no assurance that any investment strategy will be successful. Investing involves risk and you may incur a profit or a loss.