21st Century Securities

21st Century Securities 21st Century Securities specializes in retirement income planning and income tax services Securities offered through Osaic Wealth, Inc., member FINRA/SIPC.

Advisory services offered through Osaic Wealth, Inc. 21st Century Securities and Osaic Wealth, Inc. are separate entities. This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offe

r services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed. Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered. Investments products and services available only to residents of: CO, DE, FL, GA, IN, ME, MD, MI, MN, NJ, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA & WI. Advisory services available to residents of: CO, ME, NC, NY, NJ, RI, SC, TX and VA.

If you live to 95, will your money?If you're too aggressive, will you come up short? Too conservative, and you leave qua...
07/21/2026

If you live to 95, will your money?

If you're too aggressive, will you come up short? Too conservative, and you leave quality of life on the table.

Also, will the life you are living at 70 change as you age? Have you considered how changing withdrawal rates can affect everything from estate management strategies to retirement strategies?



Disclosure: The portfolio is composed of 50 percent stocks, 40 percent bonds, and 10 percent Treasury bills. It is assumed that a person withdraws a hypothetical percentage each year. Historical returns based on the period January 1, 2001, to December 31, 2025. Stocks are represented by the Standard & Poor's 500, which is an unmanaged group of securities & considered to be representative of the US stock market. Bonds are represented by the five-year U.S. government bond and Treasury bills by the 30-day U.S. Treasury bill. An investment cannot be made directly in an index. Past performance is no guarantee of future results.

For many, retirement seems like a long way off, but time moves so quickly. And time is one commodity you can never get b...
07/20/2026

For many, retirement seems like a long way off, but time moves so quickly. And time is one commodity you can never get back, especially when it comes to helping grow your money! If you aren’t confident your financial plan is properly positioned, ask us for a free analysis!

One of the most overlooked questions in building a retirement strategy isn't "How much do I have?" It's "When do I need ...
07/14/2026

One of the most overlooked questions in building a retirement strategy isn't "How much do I have?" It's "When do I need it?"

That's exactly what a bucket strategy does. It matches your assets to your timeline, so every dollar is working as hard as it can for as long as it can.

Do your buckets match your time horizon?

Just as you might want a second opinion from a medical professional, it can also be valuable to get a second opinion fro...
07/13/2026

Just as you might want a second opinion from a medical professional, it can also be valuable to get a second opinion from a financial professional! The construction of your financial plan has a direct impact on your future goals, so don’t second guess your strategy.

There are four ways to approach risk. You can ignore it or avoid it entirely. Or managing it carefully. Or transferring ...
07/07/2026

There are four ways to approach risk. You can ignore it or avoid it entirely. Or managing it carefully. Or transferring it through insurance.

Every one of these can work, but the key is knowing which one you're choosing and why.

Of these four approaches, which one do you instinctively reach for?

Charting your course toward a secure financial future is complicated. Whether you’re managing your financial plans yours...
07/06/2026

Charting your course toward a secure financial future is complicated. Whether you’re managing your financial plans yourself or working with a professional, it’s okay to ask for help if you’re not feeling confident. Our free “second opinion review and analysis” is a great start.

Trump Accounts opened on July 4. A few questions are worth considering:➡️ Our baby is 18 months old. Do we qualify for t...
07/06/2026

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

🎆 Happy Independence Day! 🎇Today, we celebrate the land of the free and the home of the brave! On this day in 1776, our ...
07/04/2026

🎆 Happy Independence Day! 🎇

Today, we celebrate the land of the free and the home of the brave! On this day in 1776, our nation declared independence, paving the way for freedom, opportunity, and the American spirit we cherish today. 🎉🗽

As we enjoy fireworks, BBQs, and time with loved ones, let’s remember the courage and sacrifice that built this great nation. 🍔🌭

Happy Birthday, America! 🎂🎈

There are so many reasons to create a will this month, but here are three big ones to consider:Direct Your Property: Cre...
07/02/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

No two clients are the same. Nor are their portfolios.The strategies that serve someone building wealth at 55 look very ...
06/30/2026

No two clients are the same. Nor are their portfolios.

The strategies that serve someone building wealth at 55 look very different from those preparing for retirement at 65. That's why it's critical to take a multi-layered approach that allows us to use a mix of strategies to pursue your goals.

What mix works best for you?

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2475 Harlem Road; South Suite
Cheektowaga, NY
14225

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