Rafe Klein David Lerner Associates

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Rafe Klein David Lerner Associates

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Rafe Klein David Lerner Associates, Financial planner, 1221 Post Road East, Westport, CT.

Began career on the floor of the New York Stock Exchange, and has been in the investment business for over 30 years.

08/31/2026

A 30-year retirement isn't just a longer 15-year one.

More time means more room for inflation, healthcare costs, sequence-of-returns risk, and portfolio depletion to compound. It's not just about how much you've saved. It's also about how long it needs to last.

Learn more longevity risk factors in retirement: 🛣️https://bit.ly/4fz51LK

08/27/2026

For the 2025–2026 academic year, the average cost for a student going to college was $25,850 for in-state public colleges, $45,780 for out-of-state public colleges, and $60,920 for private colleges. 📚

But these numbers don't tell the full story. Many colleges cost substantially more, leaving many families wondering about the current financial landscape of higher education.

Here are some key college updates for 2026: 🎓 https://bit.ly/4cG5hb7

08/25/2026

If you're under 34, there's a good chance social media may be shaping how you invest.

60% of investors aged 18–34 say social media informs their investment decisions.

Platforms like YouTube, Facebook, and Instagram may seem like a great starting point for financial information, but low barriers to entry can also mean increased exposure to bad actors — and advice that can range from uninformed to misleading.

Learn more: 📲https://bit.ly/45icU3q

08/20/2026

Last year, more than half of reported money lost from social media scams was from investment fraud, totaling $1.1 billion according to the FTC.

Not only are these scams more prevalent on social media, they are also getting increasingly more effective.

One way to keep your information (and your savings) safe on social media is to always verify communications that appear to come from your investment platform or a known contact. Call the official number or log in directly to the platform.

Learn more about protecting your money in the Age of AI and social media:🔒 https://bit.ly/4fs9cu0

08/14/2026

When you see financial content online, here's a few things to think about before taking it as financial advice:🚩

-Their Qualifications: What credentials does this creator hold? Are they a regulated and licensed financial professional?

- Their Motive: Specific recommendations on products, platforms, or securities may be sponsored or compensated.

-Personal Advice: General content does not always account for your specific income, tax situation, risk tolerance, timeline, and existing assets.

-Urgency: Pressing you to act quickly on a long-term financial decision can be a red flag. Sound financial planning rarely requires immediate and rushed actions.

Speaking with a financial professional about different strategies before making a decision can help ensure the plan you're following actually fits your situation.

Read more from our guide to navigating financial content your social media feed:
📱 https://bit.ly/45pGR1z

08/10/2026

67% of Americans worry more about running out of money than dying.

When a retiree understands their plan, knows why the numbers work, and can see the income structure clearly, the anxiety of spending their savings becomes more manageable.

Finding confidence in your retirement plan starts with:
-knowing where your income will come from
-evaluating when to start withdrawing
-factoring in big potential costs like inflation and healthcare.

Learn more about the change from retirement saving to spending
💰 https://bit.ly/4vJjT0c

08/07/2026

AI seems to do everything, but can it be trusted with your finances?

Trust is an important factor in financial planning. A recent study found that more than half of respondents trusted human financial professionals over using solely AI when it comes to retirement planning, managing investments, and financial questions.

While AI can be a valuable source for sorting through information, it doesn't always have the whole picture when it comes to personalized planning.

Our Investment Counselors are licensed and are trained in investment products, suitability, and best practice standards.

To explore more, click the link to our article in the comments.

07/30/2026

Living longer is a good thing, but is your retirement plan built for it?

Many Americans are underestimating how many years their savings need to cover. A plan designed to last 15 years can fall short if retirement actually lasts 25.

The solution is to plan for longevity from the start, not after the gap shows up in late retirement.

Read 4 more major retirement risks: 🕰️ https://bit.ly/44Az8gS

07/27/2026

Five years before to five years after you retire is the window where retirement planning is often at its most vulnerable ⏳

Sequence-of-returns risk is generally highest during this time, because it is when both the balance and the withdrawal demands are at their peak.

The goal isn't to abandon growth. It's a strategy that focuses on consistent income for essential expenses while still holding enough growth exposure to keep pace with inflation over the years to come.

Explore when to shift from growth to income in your portfolio:
🎯https://bit.ly/3RLSLQb

07/21/2026

A recent survey showed that only about half of workers and 6 in 10 retirees are confident that Social Security and Medicare will provide the same value in the future 💵

Part of the problem is that there are more retirees receiving benefits and fewer workers to fund benefits as a large population of Americans move into claiming age.

Maintaining a strong retirement savings strategy can help prepare for potential changes that may impact you in the future.

Learn about the outlook for Social Security and Medicare: 🔍https://bit.ly/4b5LCRb

Address

1221 Post Road East
Westport, CT
06880

Website

https://www.davidlerner.com/team/rafe-klein

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