The Retirement Guy

The Retirement Guy What’s your retirement plan? Get ready for actionable ideas from a Certified Retirement Counselor®!

With over 17 years of providing financial advice to a wide variety of households in the Capital Region, John has developed the skills necessary to help people pursue their long-term financial goals. As an Accredited Investment Fiduciary®, Certified Retirement Counselor®, and National Social Security Advisor®, John focuses on the main concerns of today’s retirees: Social Security distribution strategies, managing healthcare expenses in retirement, maximizing retirement income, pension distribution option planning, and coordinating retirement plan distribution strategies with tax management strategies. John’s planning process includes a commitment to sustainable, responsible, and impact investing and he makes a conscious effort to apply ESG screens to his investment and insurance solutions. In addition to creating positive impact “beyond the portfolio,” John recognizes that the most important characteristic in developing meaningful relationships is trust. This is why John focuses on relationship development BEFORE focusing on solutions. When John begins working with a new client, they can expect to be treated like family. From educational workshops to appreciation events, John regularly goes the “extra mile” to make sure his clients know their relationship is valued. John lives in Altamont with his wife Amanda and their sons Gunnar and Tucker. On his free time, you can find John attending local events, hiking, spending time with his family, and watching sports (John is a lifelong fan of the New York Football Giants and the Arsenal Gunners). BPS Financial Services is located at:
20 Corporate Woods Blvd., 2nd Floor
Loudonville, NY 12211
(518) 449-9762

Offering securities and advisory services through Cetera Advisor Networks LLC. Member FINRA/SIPC, a Broker-Dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other named entity.

Do you know how missing the best and worst market days might affect your portfolio?
10/09/2026

Do you know how missing the best and worst market days might affect your portfolio?

All about how missing the best market days (or the worst!) might affect your portfolio.

A good professional provides important guidance and insight through the years. Explore what that means in this helpful p...
10/07/2026

A good professional provides important guidance and insight through the years. Explore what that means in this helpful piece.

A good professional provides important guidance and insight through the years.

Is it possible to avoid a loss? Not entirely, but you can take steps to manage risk. Learn more here.
10/06/2026

Is it possible to avoid a loss? Not entirely, but you can take steps to manage risk. Learn more here.

Is it possible to avoid loss? Not entirely, but you can attempt to manage risk.

Yields have surged to multi-decade highs, raising questions about inflation, interest rates, and what's next for investo...
10/05/2026

Yields have surged to multi-decade highs, raising questions about inflation, interest rates, and what's next for investors. Join CIO Gene Goldman on this week's episode of as he unpacks what's driving the move in bond yields, why higher rates aren't all bad news, and the key catalysts that could bring relief in the weeks ahead.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Secrets of the Temple:  How the Federal Reserve works.
10/05/2026

Secrets of the Temple: How the Federal Reserve works.

Each day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.

Talking to your family about your financial decisions, arrangements, and values can help you leave a positive legacy.   ...
10/04/2026

Talking to your family about your financial decisions, arrangements, and values can help you leave a positive legacy.

Leave a legacy and plan for your family's financial future. Arrange your affairs and find ways to pass on your wealth.

Considering alternative investments? It’s critical to sort through the complexity.
10/03/2026

Considering alternative investments? It’s critical to sort through the complexity.

With alternative investments, it’s critical to sort through the complexity.

What steps might help you sustain and grow your retirement savings? This piece explores them.
10/02/2026

What steps might help you sustain and grow your retirement savings? This piece explores them.

Steps to help you sustain and grow your retirement savings.

This Quarterly Recap summarizes market performance, major events and news from Q3 2026. Read more here:
10/01/2026

This Quarterly Recap summarizes market performance, major events and news from Q3 2026. Read more here:

Markets carried their momentum into the third quarter, with the S&P 500 finishing near record highs. However, the Dow Jones Industrial Average ended 5.1% below…

Looking to create a financial legacy for your heirs while managing taxes? Grantor Retained Annuity Trusts (GRATs) may be...
10/01/2026

Looking to create a financial legacy for your heirs while managing taxes? Grantor Retained Annuity Trusts (GRATs) may be the solution you're looking for. Explore how GRATs can help you transfer wealth and reduce gift tax liability.

Explaining Grantor Retained Annuity Trusts (GRATs) and their benefit to estate strategy.

Address

20 Corporate Woods Boulevard, 2nd Floor
Loudonville, NY
12211

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