Ask the Experts

**I Should Be Saving for What?**

Okay, Ms. or Mr. Twenty or Thirty-something, maybe retirement does seem light years away. And of course there are other things you want to save for... like the down payment on a house or your kids’ college educations. So it’s tempting to tell yourself you’ll start saving for retirement in a couple of years when you’re earning more money. Right?

But putting off saving for retirement can be one of the biggest financial mistakes you’ll ever make. Why? Waiting to save can rob you of your greatest advantage: time.

The sooner you start saving, the more opportunity your money will have to grow and compound! Compounding means earning interest or other investment income on your original deposit or investment and on the earnings generated by that money.

Even if you can put aside only a small amount from each paycheck, saving for your future early in your career may give you a big advantage at retirement time.

I want help you take that first step. Contact me today!

Thomas A. Arvanites, CFP®

First Vice President/Investments

E: tarvanites@janney.com

P: 561.803.7134

www.tomarvanites.com

Janney Montgomery Scott LLC Financial Advisors are available to discuss the suitability and risks involved with various products and strategies presented. We will be happy to provide a prospectus, when available, and other information upon request. Please note that the information provided includes reference to concepts that have legal, accounting and tax implications. It is not to be construed as legal, accounting or tax advice, and is provided as general information to you to assist in understanding the issues discussed. Neither Janney Montgomery Scott LLC nor its Financial Advisors (in their capacity as Financial Advisors) give tax, legal, or accounting advice. We would urge you to consult with your own attorney and/or accountant regarding the application of the information contained in this letter to the facts and circumstances of your particular situation. Janney Montgomery Scott LLC, is a full-service investment firm that is a member of the NYSE, the FINRA and SIPC.