Ryan Spiering - Financial Consulting Services, Inc.

06/16/2025

Happy Father’s Day to all the dads out there!

05/29/2025

I found myself thinking a lot about saving for college this morning as I chaperoned my daughters field trip to 1000 Islands.

We tried our hand at catching crayfish, and I was surprised to see some kids jump right in while others were a little more hesitant.

All in kindergarten...

All 12 years from graduating high school...

While I have no idea what path my kids take after high school, I know I don't want them to have an unsustainable amount of debt.

Today is National College Savings Day.

If you aren't sure where to start or your feeling overwhelmed with the abundance of info on this topic, lets chat.

04/25/2025

04/04/2025

Q1 2025 was a financial rollercoaster. 🎢 From tariff uncertainty to market swings, volatility was the name of the game. Read what Chris Fasciano, chief market strategist, Investment Management & Research, has to say about what this means for your portfolio in the months ahead. https://bit.ly/3FLKdTc

The first quarter of 2025 was a wild ride for investors. Commonwealth's Chris Fasciano discusses what it could mean for the road ahead.

03/28/2025

Perspective is everything—just ask my kids!

A week ago, they were completely over winter, wishing for warmer days. But when, they got to drive the 120 for the first time, everything changed. Now they’re back to loving the snow.

It reminded me a lot of financial planning. Sometimes, we think we know what we want.

Retiring early
Buying a dream home or vacation home
Family vacations

But then, a new experience, a shift in circumstances, or the right guidance can change our outlook entirely.

Just like my kids rediscovering their love for winter, the right financial strategy can turn uncertainty into excitement.

02/04/2025

Investing isn't just for the wealthy! Small, consistent contributions can build significant wealth over time. Here’s how to get started no matter your budget: https://bit.ly/3EspYZK

Investing for the long haul with little cash on hand is doable, but you’ll need a carefully crafted plan.

02/04/2025

With health, tech, and longer lifespans on their side, Gen X is turning longevity into an opportunity for adventure, purpose, and reinvention. ✨ Read on to discover how Gen X is rewriting the retirement playbook. https://bit.ly/3Q0UX1R

Can you believe they’re turning 60? The slacker kids are all grown up and could reinvent retirement by focusing on health and extended careers.