Richard Kintzing, Financial Advisor

Richard Kintzing, Financial Advisor Bridging the Gap Between Money, Stress, and Happiness | Holistic Financial Strategy Advocate PAS is a wholly owned subsidiary of Guardian.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Certified Financial Services LLC is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 4072231. This

material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.
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Are you getting ready to retire? Retirement strategy isn’t entirely financial. Consider these matters in this helpful pi...
11/19/2024

Are you getting ready to retire? Retirement strategy isn’t entirely financial. Consider these matters in this helpful piece.

Things to consider before retirement.

How much is enough for your emergency fund?
11/14/2024

How much is enough for your emergency fund?

Having an emergency fund may help alleviate the stress and worry associated with a financial crisis.

Fallen trees damage property and strain neighborly relations.  Who pays when your tree falls?
11/12/2024

Fallen trees damage property and strain neighborly relations. Who pays when your tree falls?

Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.

Stocks edged lower in October amid pre-election jitters and solid Q3 earnings reports, while investors kept a close eye ...
11/11/2024

Stocks edged lower in October amid pre-election jitters and solid Q3 earnings reports, while investors kept a close eye on economic data pointing to a potential "soft landing."

Monthly Market Insights | November 2024 U.S. Markets Stocks fell in October as pre-election jitters hung over trading while solid but not spectacular Q3 corporate reports failed to buoy spirits. The Dow Jones Industrial Average fell 1.34 percent, while the Standard & Poor’s 500 Index (S&P 500) sli...

What is financial confidence? Learn more about how your financial confidence is linked to your overall emotional confide...
11/07/2024

What is financial confidence? Learn more about how your financial confidence is linked to your overall emotional confidence.

Ever heard of a Roth 401(k)? Would one be right for you?
11/05/2024

Ever heard of a Roth 401(k)? Would one be right for you?

Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.

Think about these 10 shocking facts during your retirement planning.
10/31/2024

Think about these 10 shocking facts during your retirement planning.

There are benefits and limitations when using a living trust.
10/29/2024

There are benefits and limitations when using a living trust.

Living trusts are popular, but their appropriateness will depend upon your individual needs and objectives.

Retirement may change your perception of investment risk.
10/24/2024

Retirement may change your perception of investment risk.

A change in your mindset during retirement may drive changes to your portfolio.

Why are they made again and again? This piece helps make sense of these errors in judgement.
10/22/2024

Why are they made again and again? This piece helps make sense of these errors in judgement.

Why are they made again and again? Making sense of these errors in judgement.

Financial stress isn’t reserved for minimum wage workers. Almost 7 in 10 people earning at least \$100,000 per year say ...
10/17/2024

Financial stress isn’t reserved for minimum wage workers. Almost 7 in 10 people earning at least \$100,000 per year say financial stress is so bad, it’s affecting their work. Try these hacks to help ease money worries.

Financial stress is not limited to those living below the poverty line. It's a real issue for many.

A will may be only one of the documents you need—and one of the factors you should consider—when it comes to managing yo...
10/15/2024

A will may be only one of the documents you need—and one of the factors you should consider—when it comes to managing your estate.

A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.

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