Frank Congilose is a widely regarded lecturer and presenter for companies, community organizations and local groups.  Frank brings many years of experience as an entrepreneur and business manager with C&A Financial Group.  An author of two responsible wealth books, Discovering Responsible Wealth and An Entrepreneur’s Guide to Responsible Wealth, Frank strives to be a leader, encouraging others to achieve their full wealth potential.

If you would like Frank to speak at your next event, please contact Maryann Archesi, This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Frank Writes
Read two articles penned by Frank featured on Forbes.com.

From Asset Allocation To Cash-Flow Management

July, 14, 2009
Frank J. Congilose

Much of the gospel of wealth creation and preservation seems to have blown up in our faces in the past year, leaving many investment advisers and most of their clients feeling betrayed and gun shy.

Investors are fleeing risk, cutting back spending and saving with a vengeance: The Commerce Department reported that the household savings rate in May was 6.9%, a 16-year high and a surge from the near-zero rate that had prevailed for several years. The latest FDIC report shows a record $6 trillion in bank CDs and savings accounts, up from $4.3 trillion four years ago. Money market mutual fund assets continue to hover just below historic levels, according to the Investment Company Institute.

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Retirement Income Matters, Not Net Worth

June 1, 2009
Frank J. Congilose

The financial meltdown has shredded so many retirement plans that a lot of people have given up their goal of reaching "the number," that mythic net worth figure that's supposed to assure a comfortable post-career lifestyle. The problem, however, is not a failure to reach a "number," but a misguided obsession with net worth as the scorecard of wealth.

What really matters is cash flow and after-tax income, but many retirement planning models use reverse engineering that is intended to preserve principle while living off interest. The formula adopted industry-wide assumes a retirement portfolio will yield about 4% to 5% a year in income without diminishing principal.

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