Young Couple Expecting


Years to Go



Years to Go

Young Family


Years to Go

Man at Work


Years to Go

Couple Dancing


Years to Go

Young Business Colleagues


Getting Started

Couple Dancing

5 Years to Go

You are considering life in retirement.  You want to enjoy your grandchildren. You are thinking about downsizing your home.  

This is the time to fine-tune your retirement plan. 

Think about:

Consolidating your IRA and 401(k) accounts

Determine your retirement income strategy

Determine your Social Security income strategy

Re-evaluate permanent life insurance and legacy options

10 Years to Go

You may be considering buying a second home.  Trying to plan how to take care of your aging parents with your family.  How you are going to finance your child's wedding. 

This is the time to determine when you want to retire and ensure you're on track to do so. 

Think about:

Consider a tax-deferred annuity

Explore long-term care insurance

Establish a legacy plan

Make 401(k) catch-up contributions

Man at Work
Young Family

20 Years to Go

You may be entering your peak earning years.  Looking to rejoin the workforce after having a family.  Trying to save or pay for your children's education. 

This is the time to develop a written retirement plan. 

Think about:

Pay off debts

Consider a Roth IRA conversion

Increase retirement savings and ensure adequate diversification

Increase funding of life insurance policies

Maximize 401(k) or IRA contributions


30 Years to Go

You may looking to advance your career, living on one income, moving into a larger home and starting a family.

This is the time to continue to grow your assets and think about tax-efficient diversification of financial products.

Think about:

Increase 401(k) contributions

Make extra mortgage payments

Start a Roth IRA

Consider disability insurance

Young Couple Expecting

40 Years to Go

You just started your first job.  You may be getting married and are looking to buy your first home with your significant other. 

This is the time to establish a systematic saving and investment plan. 

Think about:

Start contributing to 401(k) and/or IRA

Pay down student loans

Purchase permanent life insurance

Create a retirement plan

Just Getting Started

Remember the earlier you start planning and saving, the better prepared you will be to reach your goals in life as well as your retirement goals.

Let's meet to develop and maintain your retirement plan.

Young Business Colleagues

For educational purposes only and should not be viewed as financial, tax, or legal advice applicable to

each individual; please consult a qualified advisor regarding your individual circumstances. 

Check the background of your financial professional on FINRA's BrokerCheck

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Chris Spencer is a Registered Representative of and securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 210 Park Avenue Suite 101, Florham Park, NJ 07932 (973) 538-9100. Licensed and Registered in CT, ID, NJ, NY, OR, PA, SC, VA and TX. This is not a solicitation in any state where not properly licensed.  HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company.  Neoni Wealth Strategies is unaffiliated with HTK, LLC. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.



Neoni Wealth


About Us



210 Park Avenue, Suite 101

Florham Park, NJ 07932

Office | (973)805-6972

Mobile| (201)755-4991

Fax |  (973)540-1155

Email |

Neoni Logo - Spencer.png