Phil Fish, CFP®

 

Author of 28 Days to Financial Health™

 


Phil Fish, CFP® has been in the financial industry for over eighteen years. With experience in banking, debt counseling, investments, estate planning, taxes and insurance he wrote and published the 28 Days to Financial Health™ workbook in 2005 hoping his knowledge would make a difference in preparing individuals for retirement. Phil’s lectures, workshops and roundtable discussions, available to organizations and companies throughout America, are also helping arm families with the roadmap they need to have a financially secure future.


Programs


28 Days to Financial Health™
How do you create and monitor your own financial plan? With 28 Days to Financial Health™ attendees will find an easy-to-use workbook that helps them create a financial plan in four weeks. In our workshop we walk you through all the details and serve as your guide! 28 Days breaks down your financial plan into four sections that are covered in Weeks One through Four:

1.Cash Flow and Net Worth
2.Investments
3.Estate Planning
4.Taxes and Insurance.

5 Challenges to a Secure Retirement.
The retirement landscape is changing and we are facing many challenges to reaching a secure retirement. Philip Fish, CFP® discusses five of the main challenges to a secure retirement. Phil will discuss:

1.Social Security – The true status of the Trust Fund.
2.Pension Plans – Why companies are reducing or eliminating their pension plans.
3.Debt – The effects of rising individual and Government debt.
4.Life Expectancy – Many Americans will face a retirement of well over 20 years.
5.Long Term Care – Many Americans are not prepared to handle these high costs.

401 (K) and Other Retirement Plan Strategies
With companies freezing or reducing their pension plans, 401(K) and other retirement plans are becoming the primary source of income for retirees. Unfortunately very few individuals know how to manage these retirement plans. In this discussion, Philip Fish will teach the attendees proven strategies on how they can easily handle their retirement plans. He will also discuss the following five common mistakes made by individuals:

1.Not taking full advantage of the company matching program,
2.Withdrawing or borrowing money for non-retirement needs.
3.Not creating a defined investment strategy.
4.Chasing past returns.
5.Not rebalancing their portfolio.

 

Bio:

Phil Fish, CFP® has been living and breathing the financial industry for over sixteen years. With experience in banking, debt counseling, investments, estate planning, taxes and insurance he wrote and published the 28 Days to Financial Health™ workbook in 2005 hoping his knowledge would make a difference in preparing individuals for retirement. Phil’s 28 Days workshops, available to organizations and companies throughout America, are also helping arm families with the roadmap they need to have a financially secure future.

Phil is very concerned about the ability of individuals to retire comfortably. People are living longer, long-term care costs are rising, savings are down, debt continues to grow, and companies are moving away from pension plans. It will be a challenge for individuals to save enough and pay down their debt so that they can retire and live comfortably. Phil brings his financial planning expertise into the hands and homes of individuals through his 28 Days program so that they can move closer to this challenging goal of preparing for retirement.

A native of England, Phil Fish, came to America when he was age 17. Since graduating with honors from St. Mary’s College of Southern Maryland with a B.A. in Economics, he has held management and sales positions with several well-known financial institutions.

Phil hasn’t always lived a financially sound life and can relate to many of the trials and tribulations of trying desperately to get out of debt. Phil frequently refers to the story of when he “hit bottom” having to purchase groceries on his Texaco credit card. (His gas credit card was the only one with any credit left!) This down-to-earth nature, sincere desire to help people, and plethora of financial planning knowledge, coalesce to make him an excellent source and spokesperson on the financial topics facing individuals today.

Phil resides in Martinsburg, West Virginia with his wife Lisa.


 

You’ll Walk Away Prepared and Ready to Face Your
Financial Future. Here’s What Past Participants Are Saying:


“This is a great way to review all aspects of your financial situation and fill in the gaps.
There are so many things to cover,but this breaks it down to the most basic pieces!”

Dr. Deborah Morrone, Frederick, MD


“Phil Fish’s workshop provides an excellent overview of financial fundamentals. He covers a
lot of complicated issues with humor and common sense.”

Delta Vuesar,Kensington, MD

“This is the type of course that everyone should take. It brings all financial issues front
and center and makes people want to act to correct them. This course shows people
that they alone are responsible for their financial future, nobody will bail them out.”

Nathan Taylor, Frederick, MD

“Philip Fish’s presentation was straight to the point and the message of life style
choices affecting our financial future made an impact on each of the participant’s life.”

Lydia Brown, Germantown, MD

“Good practical approach. Not overwhelming.”
Chuck White, CPA. Olney, MD

“This was a very comprehensive workshop, given in every-day language.
Easily understandable.”

Michelle Hernsecker Blair,Frederick, MD

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