Andover Townsman, Andover, MA


March 13, 2014

Local financial adviser leading retirement forum

Financial adviser John Spoto of Andover, a columnist for The Eagle-Tribune and MVB Magazine, will present ‘‘Building Up or Spending Down a Retirement Portfolio: An Interactive Forum” on Wednesday, March 25, from 7 to 8:30 p.m. at Memorial Hall Library, 2 North Main St.

Sponsored by the Friends of Memorial Hall Library, Spoto will answer such questions from attendees on whether they are on track for a secure retirement, what amount of money needs to be saved to retire comfortably, how much can be safely withdrawn from their investments during retirement and what changes should be made to their investment plan to reduce the risk of running out of money.

“Planning for retirement is an ongoing process,” Spoto said in a release. “None of us knows what the future holds.”

Spoto said there are sensible strategies that can help everyone increase their chances of reaching their retirement goals.

“Focus on the factors you can control such as saving more and investing smarter and plan conservatively for things you can’t control like investment returns and inflation,” he said. “Perhaps most importantly, you need to be flexible, revisit the plan periodically and revise it as circumstances warrant.”

Spoto is a certified financial planner and the president and founder of Sentry Financial Planning, a fee-only financial planning firm located in Andover and Danvers. He does not work for any financial institution, sell financial or insurance products of any kind, accept or pay referral fees or work for commissions.

Admission to his program at the library is free; however, registration is required. To register, visit or call 978-623-8401, ext. 31.

Text Only | Photo Reprints

    Courtesy photo Megan McCann, left, and Melanie Scharn, right, have launched a fundraising campaign to assist Tammy Jusczak, center, a longtime toddler teacher at Bright Horizons in Andover who is battling cancer.

    A bright spot: Co-workers, parents support day-care teacher with cancer Posted 3 hours ago 1 Photo

    Frances Y.J. Wheeler/Courtesy photo Andover Garden Club welcomes new members, from left, Donna Rudolph, Chris McDermott, Paula Eriksen, Erin Ryan, Debbie Freedman, Anne Collins, Barbara Reichter, Isabel Seely, Caroline Grady and Heather Moody Holman as club president Anne Feeney, left rear, looks on. Fellow new member Linda Shottes Bouchard is missing from the photo.

    Growth spurt for Andover Garden Club Posted 3 hours ago 1 Photo

    U.S. DEPARTMENT OF HEALTH AND HUMAN SERVICES/Courtesy photo Dr. Howard Koh will step down as U.S. assistant secretary for health after five years to rejoin Harvard School of Public Health this fall in a new position in its Department of Health Policy and Management.

    Koh to rejoin Harvard School of Public Health Posted 14 days ago 1 Photo
  • 48 locals to pedal in Pan-Mass Challenge Posted 14 days ago

    Courtesy photo Hannah Currie is spending 10 days this summer becoming immersed in the music industry at GRAMMY Camp in Los Angeles.

    Currie hits note at LA's GRAMMY Camp Posted 14 days ago 1 Photo
  • Thursday, July 10, 2014
  • South Church names new senior pastor Posted 21 days ago

    COURTESY PHOTO Andover residents Patrick James, left, Adam Geaslen, Ryan Byrd and Dan Bryant claimed first place at the 35th annual Boys & Girls Club of Lawrence Golf Tournament at Indian Ridge Country Club in town.

    Local foursome aces Boys & Girls Club tourney Posted 21 days ago 2 Photos

    COURTESY PHOTO The Marble sisters --Anna, 8, left, and Isabel, 11 -- post-donatin to Locks of Love.

    Sisters pair up to donate pony tails to Locks of Love Posted 21 days ago 4 Photos
  • AT HOST1

    DESI SMITH/Staff photo Former Andover residents Dana Cohen and his wife, Ginny, back, left, have regularly hosted foreign exchange students since 1989. Farrah Moussa, back right, from Egypt, and Paula Valverde, front right, from Spain, are the latest students to spend a year with the Cohens, who now live in Gloucester.

    Former Andover couple welcomes exchange students for quarter-century Posted 21 days ago 4 Photos
  • Thursday, July 3, 2014
  • LENO1

    FILE PHOTO Jay Leno, who honed his comedy skills growing up in Andover, will receive the Mark Twain Prize for American Humor this fall during a performance at the Kennedy Center for the Performing Arts in Washington.

    In good comedy company Posted 28 days ago 2 Photos

Pictures of the Week