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on track for a secure retirement, what amount of money needs to be saved to retire comfortably, how much can be safely withdrawn from their investments during retirement and what changes should be made to their investment plan to reduce the risk of running out of money.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.

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