What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 4pm

Richard Anello Jr., RICP, CLTC, Heights Financial

Home
United States
Tampa, FL
Richard Anello Jr., RICP, CLTC, Heights Financial

Directions Website

Financial advisor for individuals, families and businesses. Retirement Income Certified Professional (RICP®) designation.

Certified in Long Term Care® (CLTC®) designee.

11/06/2026

Get your holiday spending under control by making a detailed budget. See where you might be overspending. Here are some easy tips!

🎇 Factor in non-gift expenses Consider projected costs for things like holiday parties, dining out, home decor, greeting cards, holiday attire, baking supplies, and seasonal memberships.

🎁 Create a list of everyone you plan to buy gifts for. Jot down a few ideas with estimated costs per person so you can tally a total.

✈️ Put some stuffing around it. Build in buffer amounts for top budget items like travel and gifts in case costs are higher than expected

10/29/2026

This October, during Financial Planning Month, take one small action toward retirement readiness: review your accounts, meet with us to discuss your plan, or set a savings goal.

Retirement might seem far off, but the earlier you start planning, the easier it becomes.

A few key questions to consider:
• What age do I want to retire?
• How much income will I need?
• Am I contributing enough?
• Have I reviewed my investment strategy?

No matter where you are on your retirement journey, compound returns can be your best friend. A few hundred dollars invested now can grow over time.

10/22/2026

An emergency fund is your financial safety net. It helps you stay afloat during unexpected events, whether it be job loss, medical bills, or car repairs, without relying on credit cards or loans.

Here’s how to build one:
🔸 Set a goal of 3–6 months of essential living expenses. Start small — even $500 can help in a pinch.
🔸 Keep it in a separate high-yield savings account for easy access (but not too easy to spend casually).
🔸 Be clear on what qualifies as an emergency. This fund isn’t for concert tickets or holiday shopping!

Knowing you have cash set aside reduces anxiety and gives you more freedom in making life and career decisions.

This Financial Planning Month, commit to setting up or reviewing your emergency fund — it’s one of the smartest money moves you can make.

10/15/2026

Are you looking to refine your budget but overwhelmed by all the advice out there? Try the 50/30/20 rule. It’s simple and flexible.

Here’s how it works:

🔹 50% of your income goes to needs — housing, food, utilities, transportation, insurance.

🔹 30% goes to wants — entertainment, dining out, hobbies, subscriptions.

🔹 20% goes toward financial goals — savings, debt repayment, retirement contributions.

📊 This rule helps you strike a balance between living for today and planning for tomorrow. It’s especially helpful if you’re new to managing money or want a clearer picture of where your paycheck is going.

✅ Pro tip: Track your spending for a month to see how it compares to this structure. You might be surprised!

10/12/2026

October is Financial Planning Month, and it’s the perfect time to hit “refresh” on your financial life. Whether you're starting from scratch or revisiting your goals, now’s the time to ask yourself some important questions:

• Do I have a monthly budget that actually works for me?

• Am I saving consistently for emergencies or unexpected expenses?

• Are my retirement and long-term goals aligned with my current financial habits?

• Am I protecting my income and assets with suitable insurance?

✅ This October, challenge yourself to take at least one step toward better financial health — even something small like tracking your spending or reviewing your credit report.

09/30/2026

The holidays have a way of filling every open space on the calendar.
Travel, family, shopping. events and end-of-work deadlines.
That is exactly why financial planning often gets pushed aside until there is very little time left to act.
Your Last 25% Review is a chance to get ahead of that.

Review retirement contributions, taxes, HSA or FSA balances, charitable plans, required distributions, and any major financial changes from the year.

You do not need to overhaul your entire financial plan.

You just need to make sure important deadlines and opportunities are not lost in the year-end rush.

If you have questions about what deserves attention before December 31, reach out. We would be happy to review it with you.

Address

Tampa, FL
33629

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 4pm

Website

https://www.heightsfinancialgroup.com/

Alerts

Be the first to know and let us send you an email when Richard Anello Jr., RICP, CLTC, Heights Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.