Wealth Technology Group

"Helping to protect a lifetime of hard work."

The Wealth Technology Group:  How we work. 

If you have something on your mind, or if you feel that we can help you in any way, please take a moment to contact us to set up a short telephone appointment with me, at no charge or obligation to you.   Your call will be welcome.

Sincerely,

Gary F. Thomas, JD, LLM, CLU, ChFC 

President, Registered Principal, The Wealth Technology Group

One of the foundations upon which our financial practice is based is that there is no one, standard approach to enhancing a person’s financial well-being.    That is why, whether it is based on private asset management, fixed investments, structured variable accounts or a combination, we offer in-depth planning and individualized programs for each one of our clients.

 

Gary's radio program, “ON THE MONEY!” is simulcast in Northampton on WHMP AM 1400 as well as on WHMP FM 96.9, LIVE Wednesdays at 4PM, and REBROADCAST Mondays at 10AM. 

Calculators

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Lease Interest

What's the interest rate on the lease you're considering?

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Newsletters

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

Dispelling Umbrella Insurance Myths

Many people may think their chances of being hit with a multimillion-dollar lawsuit are fairly slim. Besides, wouldn't the liability coverage on their homeowners and auto insurance policies be enough to protect them against a claim or a lawsuit? Unfortunately, there are misconceptions about umbrella liability insurance that could cause someone to be underinsured.

Consider Your Retirement Needs, but Don't Forget Your Retirement Wants

A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.

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