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About Us

At David Lerner Associates we believe in the sensible middle ground of investing. We believe the stock market should make for interesting dinner conversation but should not be a matter of financial life or death. We believe we have an obligation to guide our investors in directions we feel will help them achieve their financial objectives.

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Your Lifestyle After Retirement

If you are like most people your attention is primarily in the “now.” You work hard and you're making enough to meet the mortgage on a home that you really like, in the neighborhood that suits you. You might have a boat that you take out on the lake or the ocean whenever you can. When you have dinner guests over, you have a great space for entertaining. You drive a car that is reliable and that you appreciate the look of, and your spouse probably has a separate vehicle. Have you given any thought to how this lifestyle might change after retirement? You may be the kind of person who

Protecting Your Parent's Assets Along with Your Own

The goal of many parents is to protect their estates, have some form of livable income, and at the same time leave their children provided for. Adult children can assist their parents in meeting these goals, and at the same time protect assets that may someday be theirs. 1. Recognize your parents’ needs before your own. Your parents’ money is, after all, theirs. They not only earned that money, they have earned the right to enjoy it. If they want to spend some of their money on a vacation or something else they’ve always wanted, allow them that freedom. 2. Get to know your parents’

Increasing Returns in a Low Rate Environment

While low interest rates tend to be good news if you carry consumer debt or if you’re shopping for a mortgage, they’re not such great news if you’re a fixed-income investor seeking a steady stream of income to meet your living expenses during retirement.The Federal Reserve has lately been following a policy of keeping interest rates low. With the strength of the economic recovery still uncertain, the Fed hopes that continued low interest rates will help stimulate economic growth. While low interest rates tend to be good news if you carry consumer debt or if you’re shopping for a mortgage,

Roth IRAs - Making A Good Thing Better

In 1997, Congress made a good thing better when it created a new type of retirement savings account, the Roth IRA. Named after Senator William Roth, who introduced the legislation that created them, Roth IRAs differ from traditional IRAs in three key respects: 1. Roth IRAs are funded with after-tax income, so there is no current deduction for annual contributions. However, earnings are tax-free upon withdrawal. In contrast, traditional IRAs are funded with pre-tax income, so taxes on earnings generally must be paid upon withdrawal at ordinary income tax rates. 2. There are no required

Why Traditional IRAs Are So Popular

Millions of Americans haveDavid Lerner Associates taken control of their retirement future by opening and investing in Individual Retirement Accounts since IRAs were first introduced in 1975. With assets totaling over $4.7 trillion, IRAs have become one of the most popular retirement savings vehicle in America. “The popularity of IRAs stems from the fact that not only do they offer an easy way to save money for retirement, but they may offer a current tax break as well,” explains Martin Walcoe, executive vice president at David Lerner Associates.  “Depending on several different factors,

How to Treat Employees Right

David Lerner Associates was recently found near the top of a list of best places to work in New York State, based on surveys of company employees, workplace practicesWhat makes for a great employee experience, and how does David Lerner Associates continue to make their employees happy? “The work that we do here is important, and we highly value our employees ,” said David Lerner, CEO of David Lerner ASsociates based in Syosset, NY. “They are not just a commodity for us—they are people. They are very definitely like family.” This family atmosphere leads to a high company spirit. There

Guarding Against Disability and Long-Term Illness

70 percent of the population over the age of 65 will need some sort of long-term care.In middle-age many people look toward retirement and start investing in ways they hope will reward and support them as they grow older. If prudent investments are made, retirement may be a smooth transiiton, with assets that can help support them, and possibly even leave an inheritance for their children and grandchildren. All too often, however, fate intervenes with a long-term illness or disability. It happens more often than any of us would like to admit—in fact, a recent study* found that 70 percent

3 Ways To Make Yourself Recession Proof

There are some prudent measures you can take to weather the economic stormIn tough economic times, you may be tempted to overreact and make rash decisions, especially when the media is constantly bombarding us with doom and gloom. Instead of becoming a victim of all the bad news, it is better to remain calm, examine the facts so you gain some understanding of what is occurring, and take some smart measures to weather the storm. It’s hard to understand how the country—and following that, the world—got into such rough economic shape. It’s very easy for your viewpoint to become a

How to Create a Family Endowment

A family endowment is something that may benefit everyone in a family - including you.A family endowment is something that may benefit everyone in a family - including you. The goals of an endowment are simple - accumulate enough assets to allow you to live comfortably off the income during retirement and to maintain and preserve the principle for your loved ones and future generations. "A family endowment can be the key to a family's financial well-being for the present and well into the future," says David Lerner, president of David Lerner Associates,  an

Planning for Fun in the New Year

Sometimes when planning for your financial future, you lose sight of a truth that is always with us: we are living our lives in the present.Sometimes when planning your finances for the future  you lose sight of a truth that is always with us: we are living our lives in the present. While it is obviously prudent and necessary to plan for your retirement and an endowment for your heirs, as we start another New Year, it’s wise to remember that you also have to live your current life.  And that you deserve to live it to the fullest. “Being completely involved

Retirement Planning Should be Your Financial Priority at Any Age

How soon should one start planning for retirement? The answer is nowViewpoint of age is always interesting. At age 21, retirement seems so far away it might as well be another lifetime. Yet that same person reaches age 65 and says, “How did it get here so fast?” In between we can be so caught up in day-to-day work, life and activities that we don’t realize that retirement, in actuality, is just over the hill. At every stage of life it seems there is always a reason “not to worry about it just now.” A 25-year-old may tell himself, “I can start saving when I’m 30; right now I am paying

Evaluating Midlife Financial Health

Middle age has arrived. It seems like only yesterday you were right out of college, struggling to pay off student loans, and starting life and a career.Middle age has arrived. It seems like only yesterday you were right out of college, struggling to pay off student loans, and starting life and a career. Now you wonder if you're being a good boss, hoping the money spent on your children's college will have been worth it, you're carrying a mortgage and consistently evaluating your investments. It's also likely that you’re thinking about the future, and wondering how the actions you are

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