Rings Financial LLC

Rings Financial LLC Helping individuals and families get to retirement—and through it. Member FINRA/SIPC. finra.org sipc.org.

We specialize in retirement income, tax-efficient planning, Social Security, investments, and protecting the wealth you've worked a lifetime to build. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financia

l as to accuracy or completeness.

• The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.​

07/13/2026

Should you strive to be debt-free at the expense of saving for retirement?

Not necessarily.

While debt can be a burden, not all debt is created equal.

Bad debt is borrowing because you can't afford something, like carrying high-interest credit card balances.

Productive debt is borrowing strategically when it allows you to put your own money to better use. Take your mortgage as an example, if your interest rate is 4%, if you pay your principal down by $10,000, you save 4% in interest on that $10,000. Might as well pay your mortgage on schedule and invest that $10,000 for retirement where you will likely achieve 8%, or maybe better.

The goal isn't simply to eliminate debt—it's to find the right balance between paying down debt and building retirement savings.

Retiring debt-free is a worthy goal, but not if it comes at the expense of building the savings you'll actually need to live on.

If Social Security alone isn't enough to cover your monthly expenses, having little or no retirement savings may mean working longer than you planned—or returning to work after you've already retired.

The goal is to enter retirement with enough income and assets to live comfortably, whether you have some debt or none at all.

If you're wondering whether you're striking the right balance between paying off debt and preparing for retirement, let's have a conversation. Schedule your complimentary retirement planning consultation today. There's never any cost or obligation—just an opportunity to determine whether you're on the right track.

www.ringsfinancial.com/contact

07/06/2026

If you're a business owner and your retirement plan depends entirely on selling your business, or on your business continuing to generate income in retirement, you are currently "putting all your eggs in one basket".

Think of it this way: it would be like investing 100% of your retirement savings in the stock of a single company. Most people would agree that's a risky strategy.

A more balanced approach is to build wealth outside of your business over time through retirement accounts, investment accounts, and, for some, real estate (if you have time) or other investments.

For many of our business owner clients with strong cash flow, we're focused on maximizing retirement plan contributions while consistently building taxable investment accounts that are fully liquid with no restrictions on contributions or withdrawals. The goal is simple: create multiple sources of wealth so your retirement isn't dependent on just one asset.

Ask yourself:

• What if your business is worth less than you expected when it's time to sell?
• What if you can't find the right buyer?
• What if the business doesn't perform the way you hoped over the next 10 or 20 years?

These are all real possibilities—not predictions, just risks worth planning for.

The strongest retirement plans aren't built on a single outcome. They're built with flexibility, diversification, and multiple paths to success.

If you would like to learn more about how to secure your future retirement, schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

🎆 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!

06/29/2026

Nice couple comes in for their complimentary consultation.

A few meetings later...
✅ Projected retirement tax savings: $300,000
✅ More retirement income
✅ A larger, tax-free legacy for their children

Same assets.

Same goals.

Just a better plan.

When we say you have nothing to lose and everything to gain…we mean it.

Schedule your complimentary consultation today.

www.ringsfinancial.com/contact

06/25/2026

We're proud to announce that owner and founder Barry J. Rings Jr. has earned the Retirement Income Certified Professional (RICP®) designation through The American College of Financial Services.

The RICP® designation is one of the most comprehensive programs focused specifically on retirement income planning. The curriculum covers key retirement topics including Social Security claiming strategies, tax-efficient withdrawal planning, healthcare and long-term care considerations, and creating sustainable income streams throughout retirement.

This additional training reinforces our commitment to helping individuals, families, and business owners navigate the financial challenges and opportunities that come with retirement.

At Rings Financial, we remain dedicated to helping our clients prepare for and ease into retirement while planning for any risks around the bend.

Thank you to my clients, family, and friends for your continued support. I'm grateful for the opportunity to continue growing as an advisor and serving our community.

Reach out to schedule your complimentary consultation and see what makes us different. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

06/22/2026

How do you know that your retirement assets (investments) will last for your ENTIRE retirement?

Unfortunately, unless you have a retirement strategy in place, you don’t really know.

Much like your health, it’s important to run diagnostics on a regular basis to ensure everything is working properly.

When planning for retirement and during retirement, we run ongoing diagnostics to ensure we are catching issues early so we can implement a strategy to ensure small problems don’t become big problems.

Here’s an example.

You retire in 1999…..then BOOM. The Dot Com Bubble. Then BOOM. The 2008 Financial Crisis.

So for 10 years, your portfolio didn't produce any meaningful gains.

Unbeknownst to you, the initial amount you began spending from your portfolio was safe given the current market environment, however, now that the market dynamics have changed, your safe spending amount is now going to result in you running out of money at 85, or maybe 80 if things don’t turn around.

This is why diagnostics are important because as an advisor, we are consistently monitoring our clients spending amount, market dynamics, etc. so we can make the necessary adjustments along the way to ensure our clients money lives longer than they do.

At the end of the day, it’s about not running out of money.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

Happy Father’s Day!Today we celebrate the dads, grandfathers, and father figures who work hard, lead by example, and put...
06/21/2026

Happy Father’s Day!

Today we celebrate the dads, grandfathers, and father figures who work hard, lead by example, and put their families first. The lessons, support, and sacrifices you make every day leave a lasting impact.

Wishing all the fathers in our community a relaxing day surrounded by the people who matter most.

Happy Father’s Day from Rings Financial!

06/16/2026

For all you youngsters out there graduating college.

One of the most impactful things you can do for your financial future is to start saving for retirement immediately.

You should be putting as much money into your Roth 401k as humanly possible. Also, be sure you are receiving your full employer matching contribution (that’s free money).

If you don’t have a Roth option in your 401k, then save pre-tax to get your full match and open a Roth.

Let’s say you start investing at 22 and plan to retire at 65

$5,000/year for 43 years at 8% is roughly $1,800,000

$10,000/year for 43 years at 8% is roughly $3,600,000

$15,000/year for 43 years at 8% is just shy of $5,300,000

If in 43 years you need $4,000,000 to retire, do you think it’s easier to save that $4,000,000 over 43 years or wait until you’re 45 and do it in 20?

Here’s the statement I’ve heard most often throughout my career….

“I wish I did this sooner”

Time is your friend until it’s not.

06/10/2026

Retiring Before 65? Don’t Forget About Healthcare Costs.

Many people dream of retiring before 65, but one of the biggest obstacles is paying for health insurance before Medicare kicks in.

In New York, many retirees can utilize COBRA, allowing them to continue employer-sponsored health coverage for a limited period after leaving work. Sounds great…until you realize there’s no employer cost-sharing anymore, meaning you pick up the entire tab. For a married couple, that can easily run between $20,000–$30,000 per year depending on coverage. And remember, that’s in today’s dollars. If you’re 55 and plan on retiring in 5 years, those costs could jump quite a bit by the time you retire due to healthcare inflation.

If not planned for properly, those additional costs can be a deal breaker.

There are strategies that can help bridge that gap, such as a Health Savings Account which also offer some pretty great tax-benefits, additional savings, etc.

If you're looking to get out before 65, it would behoove you to start planning today, not yesterday.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

06/08/2026

Did you know that an all-bond portfolio has significantly more risk of running out of money than a blended equity/bond portfolio in retirement?

Imaginary that.

A blended equity/bond portfolio can support higher, sustainable, inflation-adjusted withdrawal rates, meaning more money for your retirement.

Comfort and safety are two very different things.

What’s comfortable may not be more safe.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

Address

573 Columbia Turnpike, Building 1, Suite B
East Greenbush, NY
12061

Opening Hours

Monday 9am - 4:30am
Tuesday 9am - 4:30am
Wednesday 9am - 4:30am
Thursday 9am - 4:30am
Friday 9am - 4:30am

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