How to Retire Early

Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.

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Featured Team Member

Gregory K. Richards, J.D., CFP®

As the founder and owner of the firm, Greg is responsible for all client service, investment, insurance, tax and financial matters for the firm’s clients. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) Practitioner, Greg...

Scott A. Lumbatis, CIMA ®

As an Investment Strategist, Scott assists clients with investment portfolio design, rebalancing and trading. Scott also assists with the preparation of financial and retirement analyses, as well as with income tax preparation. Prior to...

Timothy S. Ail

As Office Administrator, Tim is responsible for firm accounting, human resources, and information technology. Tim also coordinates the firm’s income tax preparation practices and assists with life, disability and long term care...

Deborah K. Blouch

Debbie serves as a Client Service Assistant providing administrative support as it relates to communications with clients and outside firms and agencies. Specific responsibilities include estate planning support. Debbie began working...

Kelly Jo DiVittorio

As a Client Service Assistant, Kelly Jo assists with new account set up, account servicing, cashiering and distributions. Kelly Jo began working in financial services in 2009 as an assistant to Greg Richards. Prior to her working in...

Karen L. Boltz

As the firm’s Administrative Assistant, Karen provides the initial point of contact for most client service matters. Prior to beginning in financial services with Ail’s Financial Services in 2015, Karen had worked for TE...

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