Government studies reveal that roughly 90 percent of Americans will run out of money during retirement. Not because they’re living much longer – but because they’re saving much less. Indeed, according to a recent survey by Bankrate, more than three-fourths of Americans don’t have enough money to pay their bills for six months. Moreover, half of survey respondents admitted they had less than three months’ worth of expenses. And, more than one-quarter have no reserves whatsoever to tap in the event of emergencies.

“To be sure, it’s not what you make; but how you use it to grow your wealth,” Michael J.P. Fitzgerald, President of Fitzgerald Financial Partners told “The Suit.” “It is more about using what you have, to get what you want, and not just focusing on what is in your liquid investment accounts to make it happen. That’s the reason I created a specialized approach to retirement called Wealth by Design, which focuses on cash flow replacement, or what is known as pension replication and helping my client’s create sustainable pay checks over the remainder of their lives. Being retired and being Self-Employed are the same thing, you have to find a way to make payroll every two weeks.”

A “Fee-Only” wealth management and investment advisory firm, Fitzgerald Financial Partners specializes in helping pre-retirees transition into a 5-10 year retirement plan. Additional areas of expertise include Crowd Funding, real estate investment planning, educational planning, tax planning, asset allocation and retirement distribution planning. Based in Houston, the firm services clients across the nation.

“We believe that your goals are a lot more important than the number of zeros you have in your accounts, which is why we help or clients create targeted cash flow replacement first, and then help them transition into their own version of retirement. Then, we work on the best means of helping our clients achieve the right goals for the right reasons,” Fitzgerald explained.

A Certified Public Accountant, an accredited Personal Financial Specialist, a Certified Financial Planner, as well as having a Masters in Tax Planning and Consulting – and boasting an even more impressive resume that not many in the financial world can rival – Fitzgerald is frequently called upon for his expert insight from myriad media outlets such as Fox Business News, Forbes, MSN and Bankrate.com. He is one of the country’s premier tax experts.

Fitzgerald's love of country led him to an eight-year stint in the Army as an Infantry Squad Leader and to establish a number of programs benefiting transitioning veterans, especially his Financial Readiness Boot Camp for Disabled Veterans. It is not only veterans who have him to thank, however. By looking beyond traditional financial advisory services, Fitzgerald has indeed benefited many.

For more information, visit: www.fitzfp-llc.com