Savino Advisory Group

09/02/2026

Change Is Hard Work. Not Changing Is Harder Work.

Every September brings a quiet reset. The season turns, routines begin again, and life finds a new cadence whether we feel prepared or not.

Few of us chase change for its own sake. It means stepping away from the familiar and moving forward with incomplete information. That can be exciting. It can also be unsettling.

Remaining still extracts its own price. Time and tide wait for no one. The same pattern is visible in the conversation around AI.

Enthusiasm is still there. So are the questions: Is this the beginning, or have hopes moved faster than reality?

You cannot command every development ahead. You can prepare for them.

If you would like to talk through a plan, give us a call today. We are ready to help.

Call Us
949.748.1900

08/31/2026

If you’re feeling behind when it comes to retirement, there's still time to catch up.

Starting later is harder, not hopeless, especially with catch-up contributions and a clear spending plan.

Context: https://www.investopedia.com/how-retirement-savings-differ-by-age-and-what-that-means-for-financial-planning-12036528

Give us a call today to start the conversation. +1 949-748-1900

Survey data shows how retirement savings differ by age, including how many Americans have accounts and how much they’ve saved. See how you compare to others your age.

08/25/2026

We’re truly grateful when clients take a moment to share their experience. Stories like Barbara’s remind us why we do what we do: help people feel more secure about their financial future.

At Savino Advisory Group, protecting family, lifestyle, and income is at the heart of everything.

Ready to start your own conversation?
https://savinoadvisorygroup.com/

08/24/2026

$1.16 million. That’s the national average nest egg a typical couple needs for a comfortable retirement.

But the real number ranges from ~$800k to $1.33 million depending on location. Housing costs and Social Security benefits are the biggest variables.

Don’t leave it to chance. See the exact figures here: https://www.investopedia.com/how-much-a-typical-couple-needs-to-retire-in-every-state-and-the-size-of-the-nes-12036523

Next step: Book a quick strategy call with us and we’ll map your current savings against the target for your retirement.

Call Us
949.748.1900

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A typical couple needs $1.16 million to retire comfortably. But Investopedia’s analysis of all 50 states found that number swings by more than $500,000

08/20/2026

Legacy Planning
Build A Lasting Legacy

Create a strategy designed to support the people and causes that matter most to you.

✓ Define your legacy goals
✓ Explore life insurance strategies
✓ Protect your loved ones’ future

At Savino Advisory Group, we help you put a plan in place that protects your family, lifestyle, and income for generations to come.

Ready to start?
Call (949) 748-1900 or visit https://SavinoAdvisoryGroup.com

08/19/2026

Remember those “What I Did Over Summer Vacation” essays? The grown-up edition focuses squarely on your money.

Travel, home projects, family expenses, or remaining invested amid market chatter—however the season played out, it could be reshaping your financial path into fall.

The surrounding world always plays a role. Bond market shifts and the blurred boundary between real advice and social media speculation are prompting careful reflection on security and lasting progress.

Don’t allow uncertainty to derail a steady strategy. Staying true to long-term goals is far more important than reacting to every moment.

No writing assignment this time, we promise. Contact Tom and Joan Savino for clear perspective on the trends influencing finances and well-being.

At Savino Advisory Group, we’re always ready to discuss your future.

Call Us
949.748.1900

08/18/2026

Fun freebies for seniors everywhere! These free and nearly free treats keep retirement feeling fresh and fun. Here’s a list:

Free or low-cost prescriptions
Start with RxAssist.org for manufacturer help. Free select meds at Meijer, Publix, Kroger and more. Blink Health delivers discounted options free.

Free tuition options
State colleges often waive costs for older residents with open seats. Kentucky 65+ includes University of Kentucky and Louisville; Virginia at 60+. Reach out to local campuses!

Free Medicare goodies
Yearly wellness visits, seasonal vaccines, screenings and mammograms frequently no-cost. Use through your providers.

Free eye exams and care
EyeCare America free exams plus up to one year of treatment. Available to 65+ without private insurance after three years—fill out the survey.

Free or cheap park access
Free-entry days and free spots like Blue Ridge Parkway. Maryland, New Hampshire, New York and Texas state parks often free for seniors. Senior Pass lifetime $80.

Free books, audiobooks and music
Free classics from Project Gutenberg and University of Pennsylvania Online Books Page. Libby for free library audiobooks; Digitalbook.io and Loyal Books. Free streams on Pandora, iHeartRadio or Spotify.

Free credit reports
Weekly free from Equifax, Experian and TransUnion at AnnualCreditReport.com.

Free credit-card benefits
Rental-car coverage, trip protection, luggage reimbursement, extended warranties and more. Ask your issuer.

Free family video calls
Teams, Viber, Zoom and FaceTime free to other users on phone or computer.

Free coffee rewards
Join Starbucks Rewards, Dunkin’ Rewards or Peet’s Peetnik Rewards for free drinks.

Pick your top ones and enjoy fully!

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08/17/2026

Tom Savino of Savino Advisory Group has been featured in Kiplinger’s Retirement Planning guides three times (2019, 2020, and 2024)!

Recognized for retirement planning insights across multiple years, Tom works hard to help Orange County and Southern California residents build secure, confident retirements through personalized strategies for income, investments, long-term care, Social Security, and more.

With over 29 years of experience, Tom’s focus is simple: helping families protect what they’ve worked hard for and enjoy the retirement they deserve.

Learn more at savinoadvisorygroup.com

08/12/2026

We call it “The Talk,” which gives the impression that one big conversation is all anyone ever needs. But whether it’s family or finances, real progress almost always comes from smaller, everyday honest exchanges.

For example, asking a question at the perfect time, making room in a busy schedule, raising a concern before it escalates, and listening without rushing to respond can always move us forward on the right foot.

Right now the financial world is full of conversation-worthy topics: AI, job concerns, accumulating assets. A lot of people are sitting with financial questions they haven’t put into words.

Often the most valuable support is simply an experienced person who will listen while you think it through before it becomes an emergency. That’s what Tom and Joan Savino do at Savino Advisory Group.

When people talk and listen, things improve. Let’s start the conversation. It costs nothing for an initial consultation. Give us a call or drop us a note anytime!

Visit Us
4101 Birch Street, Suite 110, Newport Beach, CA 92660

Call Us
949.748.1900

08/10/2026

Cash-outs after job changes, retirement-plan loans, and high credit-card debt are three silent killers of early retirement savings.

This Investopedia piece lays out the data and the fixes.
https://www.investopedia.com/are-you-saving-enough-for-retirement-many-in-their-20s-and-30s-lag-behind-recomm-12027917

Protect what you’ve already saved, and grow it faster.

Ready to Chat? It costs nothing for an initial consultation.

Give us a call or drop us a note anytime!
https://savinoadvisorygroup.com/

Find out why many individuals in their 20s and 30s struggle to meet retirement savings goals and learn actionable strategies to secure your financial future.