Andrew Rosen, CFP®, CEP
Phone: 302.765.3500 | Email: andrew@diversifiedllc.com | Website: | Twitter: @
Latest articles by Andrew Rosen, CFP®, CEP
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Nine of the Biggest Regrets I See as a Financial Planner
Check out this list of common regrets among older people and see if there’s something you can address in your own life while there’s still time.By Andrew Rosen, CFP®, CEP Published
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Caring for Your Aging Parents: A Seven-Step Guide
Caring for aging parents can be draining, but knowing where everyone stands and having critical things in place can at least make the process less stressful.By Andrew Rosen, CFP®, CEP Published
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How the Social Security Bridge Strategy Works
This is how you can wait until age 70 to start collecting Social Security — and capitalize on the annual 8% boost to your benefit.By Andrew Rosen, CFP®, CEP Published
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How Average Is Your Net Worth?
Find out where you stand at your age compared to the average American. This financial adviser also shares his insights on the numbers.By Andrew Rosen, CFP®, CEP Published
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No Grinch Allowed! Inflation-Beating Tips for the Holidays
To make the most of your holiday season, set a budget, plan to pay more than last year and manage expectations — yours and others’.By Andrew Rosen, CFP®, CEP Last updated
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Is Your Spending Out of Control? Three Ways to Fix It
Whether it’s ignorance of your true financial position, an addiction or simply retail therapy, there are things you can do to address your overspending.By Andrew Rosen, CFP®, CEP Published
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Being Rich vs. Being Wealthy: What’s the Difference?
It’s all about where you put the zeros — having a large bank account isn’t the same as having zero regrets and focusing on what brings you joy.By Andrew Rosen, CFP®, CEP Last updated
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Which of the 10 Money Languages Do You Speak?
Identifying the emotions that you feel about money could help you improve your relationship with it.By Andrew Rosen, CFP®, CEP Published
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The Theory of (Financial) Relativity
We all like to compare our own finances to how others appear to be doing, but this financial adviser’s shower-inspired theory makes it clear that personal finances are relative.By Andrew Rosen, CFP®, CEP Published
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Why Are You Still Working?
Some people have to, but there are plenty of folks who might want to do some soul searching to determine how work fits into their ideal day. (Hint: It likely doesn't.)By Andrew Rosen, CFP®, CEP Published
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Retirement Dating 2.0: Before You Jump, Test the Waters
If you don’t know what you want to do in your golden years or where you want to live, retirement dating lets you try things out before you commit.By Andrew Rosen, CFP®, CEP Published
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How Do You Stack Up When It Comes to Retirement?
Maybe you’ll feel good about where you stand as we look at averages of retirement savings, Social Security benefits, health expenses and how retirees spend their time.By Andrew Rosen, CFP®, CEP Published
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Improving Your Financial Health: A 10-Step Workout Plan
It's never too late to shape up your financial health, and the more attention you pay to every aspect of your finances, the healthier they’ll be.By Andrew Rosen, CFP®, CEP Published
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In Investing, How Do You Combat Uncertainty of Force Majeure?
Investors can’t predict every possible outcome, but having an investment strategy devised by a financial adviser, a robo-adviser or even yourself can help.By Andrew Rosen, CFP®, CEP Published
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Worried About Checking Your Portfolio? Don't Be: Things Are Looking Up
Though the markets are still fluctuating, this expert sees an encouraging upward trend and is giving himself permission to check his investments.By Andrew Rosen, CFP®, CEP Published
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The Markets Were Miserable Last Year, But That’s Great News
It’s all about perspective. Hopefully, you learned that your financial plan can withstand market downturns. If not, now you know you need to make adjustments.By Andrew Rosen, CFP®, CEP Published
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Common Financial Weaknesses and How to Overcome Them
Everyone has them, but identifying your financial weaknesses and taking steps to address them can mean a much more secure future and retirement.By Andrew Rosen, CFP®, CEP Published
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7 Financial Planning Steps to Take at the End of the Year
These moves are good to make at any time of the year, but doing them before 2023 arrives can help you enjoy a fresh, confident start to the new year.By Andrew Rosen, CFP®, CEP Published
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What You Need to Know About 2023 Social Security Changes Beyond the COLA
The cost-of-living adjustment (COLA) isn’t the only change on tap for Social Security next year. Some modifications might make you rethink your retirement plans.By Andrew Rosen, CFP®, CEP Published
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Savvy Strategies for Your Health Savings Account
health savings accounts HSAs are a super tax-advantaged way to save for health care expenses if you have a high-deductible health plan. So what are you waiting for?
By Andrew Rosen, CFP®, CEP Last updated
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The Great Change! (Is COVID Leading to Life Changes?)
personal finance When people stream in asking for help making major changes in their jobs, families and goals all in the pursuit of happiness, it makes you wonder what’s going on. Well, one financial professional has a theory – and a word of advice.
By Andrew Rosen, CFP®, CEP Published
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Finding the Right Financial Planner During a Recession
Financial Advisers Navigating your way through a financial downturn takes resolve and know-how. Having the right person at your side during this touchy time could be critical.
By Andrew Rosen, CFP®, CEP Published
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Should You Consider a Roth Conversion While the Market is Down?
Roth IRA Conversions Investors who are hurting right now as the stock market takes a hit may want to console themselves with a possible tax bargain created by a Roth conversion.
By Andrew Rosen, CFP®, CEP Published
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Interest Rates are Rising – What This Means for Your Bank Account
personal finance First of all, when we say, “the Fed raised interest rates,” that’s a bit of a misnomer.
By Andrew Rosen, CFP®, CEP Published
personal finance