The Financial Guys

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Supposedly Irresponsible Millennials and Gen Xers are Better Prepared for Retirement

Financial Advisor Russell Gaiser III, was featured in both a Yahoo! Finance article and a Fortune Article explaining why Millennials and Gen Xers are prepared for retirement vs previous generations.

Lower income households making less than $22,000 a year, across all generations—millennials, Gen X, and boomers—are on track to have just 63% to 64% of their pre-retirement income saved when they retire compared to the 96% they’d need. People in that income bracket, however, often make retirement planning a distant afterthought while prioritizing day-to-day needs. “I don’t even know how someone can survive on that to be honest let alone save for retirement,” says Russell Gaiser, a financial planner with The Financial Guys, a wealth management firm.

In higher income brackets, the 50th, 70th, and 95th percentiles, Millennials and Gen Xers sore past the Boomers in respects to retirement savings, Millennials in particular over 20% more than the Boomers.

You can read the full article referenced on millennials retirement preparation.

“Securities offered through Peak Brokerage Services, LLC. Member FINRA /SIPC , Advisory services offered through Independent Solutions Wealth Management LLC., an SEC Registered Investment Adviser.

The Financial Guys and Independent Solutions Wealth Management LLC. are not affiliates of Peak Brokerage Services, LLC.”

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Mike Lomas On Government Spending

Michael Lomas, CEO and Co-Founder of The Financial Guys, recently penned this guest editorial detailing the repercussions of the United States financial support of Ukraine. After Congress approved a $61 billion foreign aid package to help beat back Russian aggression, Lomas explains how this is a slap in the face to every hard working American.

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Ron Reinstein’s Insights On Student Protestors

In a recent guest editorial, Senior VP of Wealth Management, Ron Reinstein emphasized the urgent need to confront pro-Hamas radicalism. The article underscores the destructive impact of extremist ideologies on today’s college campuses and the uptick in antisemitic behaviors by radical Americans.

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Brian Faraci On Latest Medicare Changes

In a recent interview on  “A New Morning,” Brian Faraci breaks down the latest changes to Medicare surrounding prescription drug pricing and important updates that affect seniors. Faraci dives deep into the new 2025 Medicare regulations and their impact on medication costs, offering valuable insights for anyone concerned about their healthcare expenses.

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