Tracey Spikes

Tracey Spikes
SMART Advisor

Office Tel:
281-732-6832
Email:
tspikes@mysmartretirement.net

Being in the Financial Services business for the past 25 years, I’ve learned a few things about being successful…some good and some bad. In working with clients and other advisors, I’ve seen fortunes earned and wealth lost. Most of the losses were not due to poor planning, but rather to unforeseen regulations and remarkable market corrections because of those regulations.

Over my career, I have held almost every position one could hold from being a New Advisor to a Chief Marketing Officer. Because of my experiences, I have acquired a very unique perspective of the industry as a whole, and where the biggest problems lie that affect clients when planning their financial uture. Most of what I’ve learned is that the MATH is too important to ignore, and if you know the MATH you can avoid some very costly mistakes.

As a husband and father, I see the financial planning process from a real-world perspective. If you are like me, you already know it is not easy raising a family in uncertain times with uncertain futures. Because of that, I am passionate about building customized financial models that expose potential problems and reveal SMART solutions that impact our future.

Being in the Financial Services business for the past 25 years, I’ve learned a few things about being successful…some good and some bad. In working with clients and other advisors, I’ve seen fortunes earned and wealth lost. Most of the losses were not due to poor planning, but rather to unforeseen regulations and remarkable market corrections because of those regulations.

Over my career, I have held almost every position one could hold from being a New Advisor to a Chief Marketing Officer. Because of my experiences, I have acquired a very unique perspective of the industry as a whole, and where the biggest problems lie that affect clients when planning their financial uture. Most of what I’ve learned is that the MATH is too important to ignore, and if you know the MATH you can avoid some very costly mistakes.

As a husband and father, I see the financial planning process from a real-world perspective. If you are like me, you already know it is not easy raising a family in uncertain times with uncertain futures. Because of that, I am passionate about building customized financial models that expose potential problems and reveal SMART solutions that impact our future.

Tracey Spikes
SMART Advisor

Office Tel:
281-732-6832
Email:
tspikes@mysmartretirement.net

Norm Falick

Norm Falick
SMART Advisor

Office Tel:
281-732-6832

I’m a native Cincinnatian, living for the past 29 years in Symmes Township graduate of the University of Cincinnati with a degree in Business Administration. My wife, Sue, and I have been married for 36 years, raised a son, Robbie, who now is a financial analyst and snowboarder in Denver, Colorado.  Currently we are raising a 15 year old domestic long hair cat and a 2 year old golden/lab mix. 

 Over the years, I’ve owned a number of businesses in various industries, giving me a diverse background, and exposure to varied financial opportunities and challenges: Commercial real estate broker and founder of Camargo Realty in Oakley, founder and president of Prographics Printing in Norwood, then licensed in “all things financial” including life/health insurance, and series 7/66 securities with Merrill Lynch, ultimately heading out on my own again to help people prepare financially for retirement.

 Along my journey, I have encountered myriad myths, misconceptions, half-truths, or outright lies circulating around the financial world.  Some have been perpetrated by the government, some by Wall Street, some by banks, and some by other financial advisors, all in the interest of protecting or enhancing their own pieces of the world, and all at the expense of the ordinary guy or gal simply trying to enjoy a happy life, save up enough money to have a nice retirement, and maybe leave something to their children, university, church, charity, etc.

 Misinformation prevents people from reaching such goals.  Americans carry way too much personal debt, barring things such as owning their own home, funding their children’s college educations, or saving for retirement.  Most Americans have most of their money in “qualified” accounts, such as IRAs and 401ks, totally taxable at the highest rates when they need it most—in retirement.

 At the SMART Advisor Network, we don’t judge.  We educate.  If it pertains to them, we show clients the effects of interest compounding against them, and how we might turn that around, so it compounds for them.  We show clients the effects of a lifetime of taxes on their retirement accounts as it affects their own income, social security, and inheritance to their children. Finally, we build out plans to most efficiently eliminate debt and/or taxes so we can all get back to reaching our goals and enjoying a happy life.

I’m a native Cincinnatian, living for the past 29 years in Symmes Township graduate of the University of Cincinnati with a degree in Business Administration. My wife, Sue, and I have been married for 36 years, raised a son, Robbie, who now is a financial analyst and snowboarder in Denver, Colorado.  Currently we are raising a 15 year old domestic long hair cat and a 2 year old golden/lab mix. 

 Over the years, I’ve owned a number of businesses in various industries, giving me a diverse background, and exposure to varied financial opportunities and challenges: Commercial real estate broker and founder of Camargo Realty in Oakley, founder and president of Prographics Printing in Norwood, then licensed in “all things financial” including life/health insurance, and series 7/66 securities with Merrill Lynch, ultimately heading out on my own again to help people prepare financially for retirement.

 Along my journey, I have encountered myriad myths, misconceptions, half-truths, or outright lies circulating around the financial world.  Some have been perpetrated by the government, some by Wall Street, some by banks, and some by other financial advisors, all in the interest of protecting or enhancing their own pieces of the world, and all at the expense of the ordinary guy or gal simply trying to enjoy a happy life, save up enough money to have a nice retirement, and maybe leave something to their children, university, church, charity, etc.

 Misinformation prevents people from reaching such goals.  Americans carry way too much personal debt, barring things such as owning their own home, funding their children’s college educations, or saving for retirement.  Most Americans have most of their money in “qualified” accounts, such as IRAs and 401ks, totally taxable at the highest rates when they need it most—in retirement.

 At the SMART Advisor Network, we don’t judge.  We educate.  If it pertains to them, we show clients the effects of interest compounding against them, and how we might turn that around, so it compounds for them.  We show clients the effects of a lifetime of taxes on their retirement accounts as it affects their own income, social security, and inheritance to their children. Finally, we build out plans to most efficiently eliminate debt and/or taxes so we can all get back to reaching our goals and enjoying a happy life.

Norm Falick
SMART Advisor

Office Tel:
281-732-6832

Got Questions?
Get in Touch.

Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. Smart Retirement Services and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Smart Retirement Services and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc.

© 2020. SMART Advisor Network. All rights reserved.