• You must make your savings last a lifetime.
  • You must arrange your savings and finances so that your heirs receive what is left, instead of the government.

We can help you plan to meet those challenges. We can show you how to help protect your savings, how to create a financial plan designed to provide income for a lifetime, and ways to create tax-efficient strategies for your individual retirement needs.

In retirement, there is an approach to financial planning and investing that does much to encourage long-term financial security – an approach that many of Tony and Phillip’s clients are glad to follow.

A focus on tax-efficient investing

Your after-tax return matters most. We understand that reality, and favor investments that allow our clients to keep more, while the government keeps less.

There comes a point in life where you need to invest in a risk-averse way. For many people, that point is retirement. The good news is, you can arrange your portfolio so you can benefit from stock market gains, while shielding yourself from stock market losses. Ask Phillip, Tony and the CSRP Team how – they will tell you.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Securities and advisory services offered only by duly registered individuals through Madison Avenue Securities LLC, member FINRA/SIPC and a Registered Investment Advisor. MAS and Phillip Allen Inc., Common Sense Retirement Planning or Tony Dale, Inc are not affiliated entities.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

*Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.