Every first meeting starts with four questions that most people have never been asked:
1. What rate of return do you need on your savings and retirement accounts to maintain your standard of living, adjusted for inflation, to last as long as you live?
2. How much do you need to save every month so you never run out of money?
3. How long will you actually have to work to meet your goals?
4. If you don't address the first three, how much will you have to reduce your standard of living in retirement?
Most people don't know the answers. And that's not their fault. Nobody ever sat down and walked them through it.
That's exactly what Jim Lambert does. As a Registered Social Security Analyst and Certified Financial Fiduciary (CFF), Jim specializes in Social Security maximization, Medicare, tax planning, portfolio risk, and Trust implementation. These are the decisions that determine whether retirement is something you enjoy or something you endure.
People come to us overwhelmed. They leave with clarity.
If you're within ten years of retirement, let's talk.
Jim Lambert
First Choice Consulting
203-878-4598
jimlambert@ctfcc.com
I didn't get into this business because of the markets or the money. I got into it because of my grandparents.
They were hardworking, generous people who gave everything to their family and never complained. Watching them age, I wished someone had been in their corner — someone who could have helped them protect what they built and enjoy the retirement they deserved. Nobody was.
I can't go back and help them. But I can make sure other families don't have that same regret.
Every client I sit down with reminds me why this work matters. It's not about products or portfolios. It's about making sure the people who worked hard their whole lives actually get to enjoy what comes next — and that the people they love are taken care of when they're gone.
That's what my grandparents deserved. It's what your family deserves too.
