Roberto S. Nespereira, Northwestern Mutual, RICP
I help Pre-Retirees & Retirees To Develop Customized Tax Efficiencies & Asset Protection Strategies
Better than expected inflation data has investors once again expecting a soft landing. Chief Investment Officer Brent Schutte looks at why the path forward may not be as smooth as many think.
Markets Jump on Latest Inflation Readings The latest inflation data added fuel to an already surging market. In this week’s Market Commentary, we look at why investors may be wise to temper their enthusiasm.
Research shows a comprehensive financial plan with Northwestern Mutual can help you feel better about your money—and life in general. Reach out to get started on yours.
Feel Better About Your Money—and Your Life Research shows a comprehensive financial plan with Northwestern Mutual can help you feel better about your money—and life in general.
Some folks are more accepting, others more cautious. See where you stack up—and how Northwestern Mutual is approaching AI.
How Americans Feel About AI and Their Money How comfortable are you when it comes to AI and your money? See how we’re thinking about AI at Northwestern Mutual.
Your opinions about the strength of the job market may come down to which employment report you read. Chief Investment Officer Brent Schutte looks at the discrepancies between two leading reports and weighs in on how the disconnect in reports complicates the Fed’s decision on rates.
Conflicting Jobs Data Creates Challenges for the Fed Is the job market red hot or showing signs of cooling? Last week’s employment data suggests both. In this week’s Market Commentary, we look at why getting an accurate read on the employment picture may be a challenge for the Fed.
81% of clients with a comprehensive plan said they feel optimistic after partnering with someone like me on planning their financial future. How’s that? Well, I ask better questions to have better conversations which then leads to a better way to money.
Source: Assessing the Value of a Holistic Advisor, Dr. Hal Hershfield, 2023
When we’re better, you’re better. Our holistic financial planning approach is designed to deliver superior outcomes, so you feel good about your money and your life. Reach out to find out more about a better way to money. http://spr.ly/6186eFJbM
Learn more about this tool for securing your financial future—it’s not just for the rich.
What Is a Trust? A trust lets a trustee hold assets on behalf of a beneficiary or beneficiaries. Learn what a trust is, how it works, types of trusts and how to set up a trust.
The latest data shows the disinflationary process is progressing at a snail’s pace. Chief Investment Officer Brent Schutte looks at why the modest improvement in prices pressures is unlikely to satisfy the Federal Reserve.
Latest Inflation Data Fails to Deliver Ah-ha Moment The latest inflation data showed gradual improvement. We look at why the pace of disinflation is still a concern.
The latest economic data cast further doubt on the timing of potential rate cuts. In this week’s Market Commentary, Chief Investment Officer Brent Schutte looks at why investors may be underestimating the chance of a bumpy road ahead for the economy.
A Look at the Market’s Unyielding Belief in Immaculate Disinflation Are investors overestimating the likelihood of a soft landing? We look at challenges that remain for the economy and Federal Reserve.
You’ve spent so much time putting money into your 401(k)—but have you ever thought about what happens when it’s time to take it out?
How Does a 401(k) Work When You Retire? How does a 401(k) work when you retire? While it's an important source of retirement income, it’s just one part of your long-term strategy.
Rare, medium, medium-rare…on International Hamburger Day, there are so many ways to prepare a burger. And none of them would be wrong. After all, it’s all about personal taste.
Creating a good financial plan with you is like that, as well–the plan I work on with you will be based on personal preferences. But possibly unlike your burger order–and I’m not judging!--all of my financial planning will be well done.
Right now, you may be thinking that a good financial plan is almost as far-fetched as unicorns and dragons. But I’m committed to working with you on creating one, without involving any ancient wizardry. Take our financial planning tour to start your journey today, and then reach out so I get you that much closer to living happily ever after. http://spr.ly/6187dzVKB
Higher interest rates appear to be taking a toll on the economy. In this week’s Market Commentary, Chief Investment Officer Brent Schutte looks at whether the Fed can get inflation under control before the weak economy dips into a recession.
Why the Pace of Disinflation Is So Important With higher rates clearly impacting the economy, is inflation falling fast enough to allow the Fed to avoid a recession?
Independent research finds that investments alone will only take you so far. I can help you build a plan to make your money work harder.
The Secret That Could Help Your Savings Go Further in Retirement Life insurance in a retirement plan? According to a recent analysis from professional services company EY, an integrated approach to long-term financial planning can produce a better outcome in retirement.
Your favorite team. How much you love your pet. The marathon you just ran. There’s so much to share with the world when it comes to your car’s bumper. But I can't help thinking that having a financial plan is also worth being proud of, whether you’re doing it for yourself, a baby on board, or a student driver. Whatever the motivation, reach out to me today and find out why having a good plan is bumper-brag-worthy.
In the Weekly Market Commentary, Chief Investment Officer Brent Schutte looks at why faltering consumer sentiment could pose another challenge to the economy.
How Main Street Sentiment Could be a Challenge for the Economy How does the latest tumble in consumer optimism fit into the economic picture? Get more in our Weekly Market Commentary.
Northwestern Mutual’s latest survey shows that a remarkable 95% of parents who are saving for college expect to cover more than half of the cost for their children. If this is one of your top goals, I can help you find the savings options that would work best for your family.
College Savings Plans: 6 Options to Consider When it comes to saving for your child’s college education, you may have a wider range of options than you realized. Here are six of the best ones.
Even though graduation may seem far away, it’s never too early to start preparing to pay for college. Let’s get together to work out a plan that works for your wallet and their future.
*Planning and Progress Study, 2024.
In the Weekly Market Commentary, Chief Investment Officer Brent Schutte looks at how recent conflicting wage data highlights another wrinkle for the Fed to contend with.
Another Challenge for the Fed to Contend With Look for more volatility in inflation as we move later into the business cycle. Get more in our Weekly Market Commentary.
Reach out if you’re looking for help creating a debt-reduction strategy.
Want to Get Out of Debt Faster? 4 Things to Ask Your Credit Card Company Right Now Most credit card issuers want to keep you as a customer, so it’s worth asking them for more favorable terms. These tips can help you get started.
In the Weekly Market Commentary, Chief Investment Officer Brent Schutte looks at the latest economic and jobs data and how it points to a tough task ahead for the Fed.
Latest Economic Data Underscores the Fed’s Tough Task Ahead More signs emerge that inflation is moving in the wrong direction. Get more in our Weekly Market Commentary.
Retiring at different times brings unique challenges and opportunities. Reach out if you need help ironing out the details so you can enter retirement feeling confident.
5 Things to Consider When You Retire Before Your Spouse If you decide to retire before your spouse does, there are a few things you should know. Here are 5 things to know if you’re retiring before your spouse.
If you’ve been wondering what’s in the cards for you financially, well, now’s the time for you to connect with me and find out. And while I also rely on readings, I typically do that with financial statements. Reach out to me and let’s work on your good plan together.
We get this question a lot. The answer is that life insurance is not an investment. But when combined with other tools, like investments, it can add a lot of value to your financial plan.
How Life Insurance Adds Value to Your Financial Plan Is whole life insurance worth it? While whole life insurance isn't an investment, life insurance policies can benefit from cash value growth and dividends.
In the Weekly Market Commentary, Chief Investment Officer Brent Schutte looks at how recent inflation trends have put the Fed on hold when it comes to rate cuts and what it means for the economy.
Investors Adjust to the Likelihood of Higher Rates for Longer Recent inflation measures have the Fed pumping the brakes on rate cuts. Get more in our Weekly Market Commentary.
When it comes to your finances, you don’t want to find yourself behind the 8 ball. Or asking one for advice, for that matter. That’s why when it comes to discovering key money strategies, well, all signs point to me. Reach out today for an outlook that looks good.
The amount you have in savings is important, but how you’re saving can go a long way to help you get the most out of your money. I’d love to schedule time to learn more about your situation and show you how some simple tweaks can help you get more out of your savings.
Here's What Americans Have Saved for Retirement by Age, and What They Think They’ll Need See how you stack up with your peers and what you can do to maximize your savings.
In the Weekly Market Commentary, Chief Investment Officer Brent Schutte looks at the latest inflation numbers and why a focus on valuations may be a good approach if the Fed holds rates higher for longer.
More Hot Inflation Data Dashes Hopes for Significant Rate Cuts More evidence of stubborn inflation may force the Fed to keep the brakes on the economy. Get more in our Weekly Market Commentary.
The markets had a strong first quarter despite inflation sticking around. Here’s a timely analysis from our chief investment officer about what lingering price pressures may mean for the Fed and economy.
Why Sticky Inflation Is Making Things Difficult for the Fed In Northwestern Mutual’s Quarterly Market Commentary, we look at how sticky inflation may signal the late stages of the economic cycle.
If you need help setting up a structure to track your expenses, we can help.
5 Steps for Creating a Monthly Family Budget Knowing where your money goes every month can free you up to splurge on fun activities. These 5 steps can help you get on the right track.
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Coral Gables, FL
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Coral Gables
Helping retirees simplify their money, income, and reduce their lifetime tax bill.
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