Mary Ann Pierce, CLU

/Mary Ann Pierce, CLU

About Mary Ann Pierce, CLU

This author Mary Ann Pierce, CLU has created 11 entries.

Medicare: Complicated or Complex?

As Autumn arrives, we start to see a lot of attention being given to two things: political campaigns and Medicare Insurance. I won’t even try to address the former in this blog. (As an aside: My hope is that those who are able, will go to the polls on Election day and vote for the candidates of their choice. Participation does matter.) As for the latter, I often hear from clients: “Why does Medicare need to be so complicated?” While

Social Security Savvy

Social Security Savvy What to Know to Help Maximize Your Retirement Income Retirement looks very different today than it once did. As the typical human lifespan has extended well into 80 years and beyond, thinking about how to maximize retirement benefits is more important than ever. Social security benefits have been a primary element in investment planning of most Americans for nearly a century, but the landscape of how and when it is best to collect those benefits is anything but the same. There

Early Retirees Need New Strategies for Re-Employment

Many, if not most, of our clients are people planning ahead for their retirement years. Yet, retirement in the 21st century is a very different creature than what was traditionally thought of. Most retirees are people still healthy and active, able to contribute and participate in meaningful activities, as an employee, volunteer, or just for fun.   Marathon Financial Advisors is pleased to sponsor Leslie Rose McDonald, seasoned career transition coach and owner of Pathfinders CTS in Liverpool, NY, who will provide

Back to Basics: Insurance for Every Need

Recently, I was dramatically reminded of the need for a conversation about insurance planning as a part of any discussion of financial planning and goals. We often think of planning for a secure retirement as being all about what we have saved in our 401(k), other retirement plans and investment accounts.  We take great care in crafting a suitable portfolio and allocation to fit an individual or family’s risk tolerance and time horizon.  We carefully monitor the investments, with money managers

New Team Member

Marathon Financial Advisors is pleased to welcome Kathy Sands -Kaffenberger, CLTC, CHFC®, to the team in the role of financial consultant. Sands-Kaffenberger joins Marathon with over 30 years of experience in financial planning, working with business owners, individuals and their families to prepare them for their current and future needs of life. “I believe that relationships, especially in the area of finance, are built on trust over long periods of time ,” said Sands-Kaffenberger, a long time volunteer with the Boy

I Should Have Known!

I met with a wonderful group last week, to talk about Investment Basics.  This group was a mix of people of all ages, from different backgrounds and varying professions.  Every single person in this group appeared to be confident and competent. We had a lively discussion, and there were many relevant questions asked that were interesting to the group members. However, at one point one of the women remarked “I feel so stupid about finances and investing.  I just feel as though

Retirement Planning

No retirement planning conversation would be complete without a thorough discussion and understanding of a person or couple’s Social Security benefits. The Social Security program went into effect on January 1, 1937.  At that time, life expectancy was age 60.  Many people at that time did not live long enough to collect their Social Security benefits. With improved medical care, and healthier lifestyles, the average life expectancy today is age 78.  We now may live many years in retirement, and Social Security

To Save or Not to Save – for College

college fund

Saving for a child’s college education is an emotional topic, on many levels.  I have had many discussions regarding saving for children’s or grandchildren’s educations over the years and what I have learned is that there is no “right” answer for everyone. Most of us would agree that we want the best in life for our children. We want them to have a happy childhood, go to a good school, be accepted at a college of their choosing and have a

Choosing Your Next Vehicle


Thinking of buying a new vehicle this Spring? There are many things to consider when making this huge financial decision and many resources available to us as consumers. With the ease and convenience of the internet at our fingertips, we can research and do our “homework” before making a final decision. What will you buy – car or truck? Full size or compact? Luxury vehicle with all of the “bells and whistles” or a simple, utilitarian working vehicle? Are you concerned

Vacation Planning

I thought it might be a nice idea this month while we’re in the midst of winter, to write about taking a vacation! Maybe somewhere warm, with hot sand and blue water; or maybe your idea of a vacation is to travel to another country, with exotic food and historical sights to see! Many of my friends have been talking to me about these wonderful trips they are taking which are costing them next to nothing out of pocket. How