Tom Young ChFC, CLU, RFC from 1st Consultants in Beaver made his monthly appearance on Teleforum with Frank Sparks on Tuesday, February 20, 2018. The show was also streamed live on Facebook. Tom talked about a variety of topics from what Banks do with your money to taxes and why if you are in debt you shouldn’t be investing in the market. Tom and Frank went over traditional retirement plans and why they are not the way to go. Tom stated that with a traditional retirement plan all your doing is putting money away for retirement that isn’t taxed but when you are ready to retire you’ll have to pay taxes on the money and as you use the money the taxes will more than likely be higher  rates than they are now. Check the Facebook live Feed from the show below and if you have any questions for Tom or would like to utilize 1st Consultants services you can call 724-728-6820 or you can check out 1st consultants web side by clicking on the logo below. Tune in again next month on Tuesday March 20, 2018 for Tom’s next show…….