Larkin Financial Services

10/16/2026

What do financial voices like Charles Payne and Dave Ramsey have in common?

While their investment philosophies differ, both emphasize the importance of taking control of your financial future.

📈 Think Long-Term: Don't let short-term market headlines distract you from your bigger financial goals.

💵 Live With Intention: Make thoughtful spending decisions, manage debt, and create room to save and invest.

🎯 Have a Strategy: Understand where your money is going, what you're investing in, and why.

⏳ Stay Consistent: Financial progress often comes from disciplined decisions made over time—not chasing the next big opportunity.

At Larkin Financial, we believe financial planning should be about more than accumulating money. It's about creating a strategy that supports the life you want today and the retirement you envision tomorrow.

You can't control the markets, but you can control how you prepare for your future.

Let's build a plan that helps you Spend Differently.

10/01/2026

Retirement planning is about more than reaching a certain number in an account.

It’s about creating a strategy for the things that matter to you:

🏡 The lifestyle you want in retirement
💵 Income you can rely on
↔️ Flexibility when life changes
❤️ A legacy for the people you care about
🌅 The freedom to enjoy what you’ve worked for

At Larkin Financial, we help you look at the bigger picture and build a financial strategy around your goals not just the markets.

Because the goal isn’t simply to accumulate money.

It’s to put your money to work for the life you want.

Plan with purpose. Spend Differently.

09/23/2026

It’s easy to focus on whether the market is up or down today. But your financial future is much bigger than a single day—or even a single year.

A stronger question to ask is:

What is this money supposed to do for me?

Create retirement income?
Provide flexibility?
Leave something for your family?
Help you enjoy the retirement you’ve worked toward?

At Larkin Financial, we believe your investments should connect to a bigger financial strategy; one built around your goals, timeline, and the life you want to live.

Because investing isn’t just about watching numbers move.

It’s about knowing what you’re working toward.

Have a purpose. Have a plan. Spend Differently.

09/17/2026

Markets move. Headlines change. And when uncertainty rises, it can be tempting to make financial decisions based on emotion.

One message that comes through in Charles Payne’s Wall Street Strategies is the importance of understanding what you own and looking beyond the day-to-day noise.

At Larkin Financial, we believe that same mindset is important when planning for your financial future.

Your retirement strategy shouldn’t be built around reacting to every market headline. It should be built around your goals, your timeline, your income needs, and a plan you understand.

Whether you’re years away from retirement or already enjoying it, having a strategy can help you stay focused when the markets get noisy.

Know what you own. Know why you own it. And know how it fits into your bigger financial picture.

09/10/2026

A 403(b) can be an important part of your retirement strategy, but simply contributing to one isn’t the same as understanding it.

As Ramsey Solutions points out, 403(b) plans are commonly available to employees of schools, nonprofits, and other tax-exempt organizations. Depending on your employer, you may have traditional or Roth options, an employer match, different investment choices, and vesting requirements.

The question is: Are you making the most of yours?

At Larkin Financial, we help educators look beyond the account balance and understand how their 403(b) fits alongside PSERS and the rest of their retirement plan.

Know what you have. Understand your options. Plan for what’s next.

Learn more about how 403(b) plans work from Ramsey Solutions, then contact Tom at Larkin Financial talk about your individual retirement strategy.

https://www.ramseysolutions.com/retirement/how-does-a-403b-plan-work

Ever wonder what a 403(b) plan is and how it works? And is it the right move for your retirement savings? We'll walk you through the details of this employer-sponsored plan.

09/02/2026

When you change jobs, it's easy to move on and forget about the retirement account you left behind.

Over the course of a career, old 401(k)s, 403(b)s, pensions, and other retirement accounts can become scattered across multiple former employers.

At Larkin Financial, we help you take inventory of what you have, understand your options, and determine how those accounts fit into your overall retirement strategy.

Don't let part of your financial future get lost in the shuffle.

Old job. Forgotten account. Still your money.

Let's make sure all of your retirement savings are accounted for.

08/27/2026

Changing jobs can mean new opportunities, new routines and sometimes a retirement account that gets left behind.

If you’ve worked for several employers throughout your career, you may have an old 401(k), 403(b), pension, or other retirement account that you haven’t looked at in years.

At Larkin Financial, we can help you take inventory of your retirement accounts, understand your options, and see how each one fits into your overall retirement strategy.

Your old accounts shouldn’t be forgotten. They’re still part of your future.

Let’s make sure every piece of your retirement plan is accounted for. Call Tom at 412-848-8070.

08/19/2026

Changed jobs over the years? There may be a 401(k), 403(b), pension, or other retirement account from a former employer that you haven’t thought about in a while.

Those accounts are still part of your financial future and knowing what you have and where it is can be an important part of building a complete retirement strategy.

At Larkin Financial, we can help you review your retirement accounts, understand your options, and determine how they fit into the bigger picture.

Old job. Old account. Still your money.

Don't let part of your retirement plan get left behind.

Let's take a look at what you have and make sure every piece is working toward your future.

07/22/2026

When you change employers, your old 401(k) doesn't have to stay behind.

Many financial experts, including Dave Ramsey, recommend considering a direct rollover into an IRA to help you:

✔ Keep your retirement savings working for you
✔ Avoid unnecessary taxes and penalties
✔ Expand your investment choices
✔ Maintain the tax advantages of your retirement account

One thing they all agree on? Avoid cashing out your 401(k) unless you fully understand the tax consequences and potential penalties.

Every financial situation is unique. Before making a decision, it's important to understand your options and choose a strategy that aligns with your long-term retirement goals.

📅 If you're wondering what to do with an old retirement account, Larkin Financial can help you explore your options and make an informed decision.

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07/09/2026

Every lesson you teach, every student you encourage, and every extra hour you dedicate helps shape the future.

While you're busy investing in the lives of others, don't forget to invest in your own future, too.

At Larkin Financial, we're proud to help educators understand their retirement benefits, navigate PSERS, and build a financial plan with confidence—so you can enjoy the next chapter just as much as the one you're living today.

Because after a career spent making a difference, you deserve a retirement that's just as rewarding.

Let's start planning your future together.