--- title: The Pulse | Gregory S. Ostrowski description: Managing Partner, CFP®, ChFC®, CRPC®, BFA™ --- - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [Our Commitment to You](https://scmadvice.com/our-commitment-to-you/) - [Our Fees](https://scmadvice.com/our-fees/) - [What We Do](https://scmadvice.com/what-we-do/) - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/) - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/) - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/) - [Health Savings Account (HSA) Management](https://scmadvice.com/health-savings-account-hsa-management/) - [Wealth Management](https://scmadvice.com/wealth-management/) - [Financial Planning](https://scmadvice.com/financial-planning/) - [Pension Analysis](https://scmadvice.com/pension-analysis/) - [Social Security Analysis](https://scmadvice.com/social-security-analysis/) - [About SCM](https://scmadvice.com/who-we-are/) - [Our Story](https://scmadvice.com/our-story/) - [Our Team](https://scmadvice.com/who-we-are/our-team/) - [Quick Facts](https://scmadvice.com/who-we-are/quick-facts/) [![Scarborough Capital Management](https://scmadvice.com/wp-content/themes/scarborough/assets/images/logo-35th-2x.png)](https://scmadvice.com/) - [Who We Help](https://scmadvice.com/our-clients/) - [Free Resources](https://scmadvice.com/resources/) - [Blog](https://blog.scmadvice.com/) - [eBooks](https://scmadvice.com/resources/ebooks/) - [Quick Guides](https://scmadvice.com/quick-guides/) - [Start Now](https://info.scmadvice.com/contact-us) - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [Our Commitment to You](https://scmadvice.com/our-commitment-to-you/) - [Our Fees](https://scmadvice.com/our-fees/) - [What We Do](https://scmadvice.com/what-we-do/) - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/) - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/) - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/) - [Health Savings Account (HSA) Management](https://scmadvice.com/health-savings-account-hsa-management/) - [Wealth Management](https://scmadvice.com/wealth-management/) - [Financial Planning](https://scmadvice.com/financial-planning/) - [Pension Analysis](https://scmadvice.com/pension-analysis/) - [Social Security Analysis](https://scmadvice.com/social-security-analysis/) - [About SCM](https://scmadvice.com/what-we-do/) - [Our Story](https://scmadvice.com/our-story/) - [Our Team](https://scmadvice.com/who-we-are/our-team/) - [Quick Facts](https://scmadvice.com/who-we-are/quick-facts/) - [Who We Help](https://scmadvice.com/our-clients/) - [Getting Organized and On Track](https://scmadvice.com/getting-organized-and-on-track/) - [When Can We Retire?](https://scmadvice.com/when-can-we-retire/) - [Free Resources](https://scmadvice.com/resources/) - [Blog](https://blog.scmadvice.com/) - [Start Now](https://info.scmadvice.com/contact-us) - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [Our Commitment to You](https://scmadvice.com/our-commitment-to-you/) - [Our Fees](https://scmadvice.com/our-fees/) - [What We Do](https://scmadvice.com/what-we-do/) - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/) - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/) - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/) - [Health Savings Account (HSA) Management](https://scmadvice.com/health-savings-account-hsa-management/) - [Wealth Management](https://scmadvice.com/wealth-management/) - [Financial Planning](https://scmadvice.com/financial-planning/) - [Pension Analysis](https://scmadvice.com/pension-analysis/) - [Social Security Analysis](https://scmadvice.com/social-security-analysis/) - [About SCM](https://scmadvice.com/who-we-are/) - [Our Story](https://scmadvice.com/our-story/) - [Our Team](https://scmadvice.com/who-we-are/our-team/) - [Quick Facts](https://scmadvice.com/who-we-are/quick-facts/) - [Who We Help](https://scmadvice.com/our-clients/) - [Getting Organized and On Track](https://scmadvice.com/getting-organized-and-on-track/) - [When Can We Retire?](https://scmadvice.com/when-can-we-retire/) - [Free Resources](https://scmadvice.com/resources/) - [Blog](https://blog.scmadvice.com/) - [Quick Guides](https://scmadvice.com/quick-guides/) - [Start Now](https://info.scmadvice.com/contact-us) [![Scarborough Capital Management](https://blog.scmadvice.com/hubfs/ScarboroughCapitalManagement_June2019/Images/logo.png)](http://134.209.5.42) Menu # Author: Gregory S. Ostrowski ### Newsletter Subscribe to our monthly newsletter ### Categories - [Personal Finance (38)](https://blog.scmadvice.com/tag/personal-finance) - [financial advisor (38)](https://blog.scmadvice.com/tag/financial-advisor) - [wealth management annapolis (35)](https://blog.scmadvice.com/tag/wealth-management-annapolis) - [Retirement (12)](https://blog.scmadvice.com/tag/retirement) - [Retirement Planning (5)](https://blog.scmadvice.com/tag/retirement-planning) - [Annapolis (4)](https://blog.scmadvice.com/tag/annapolis) - [College Savings (2)](https://blog.scmadvice.com/tag/college-savings) - [401(k) (1)](https://blog.scmadvice.com/tag/401k) - [Investing (1)](https://blog.scmadvice.com/tag/investing) See all ### Popular posts - [![Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/hubfs/401k.jpeg)](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) [Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) by [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) - [![12 Threats to Retirement Many People Aren't Prepared For](https://blog.scmadvice.com/hubfs/April4.jpg)](https://blog.scmadvice.com/12-threats-to-retirement-many-people-arent-prepared-for-1) [12 Threats to Retirement Many People Aren't Prepared For](https://blog.scmadvice.com/12-threats-to-retirement-many-people-arent-prepared-for-1) by [Jon Szostek](https://blog.scmadvice.com/author/jonathan-w-szostek) - [![Seven of Scarborough's Financial Advisors Named Five-Star Wealth Managers](https://blog.scmadvice.com/hubfs/SCM-FiveStar-1%20(1).png)](https://blog.scmadvice.com/seven-of-scarboroughs-financial-advisors-named-five-star-wealth-managers) [Seven of Scarborough's Financial Advisors Named Five-Star Wealth Managers](https://blog.scmadvice.com/seven-of-scarboroughs-financial-advisors-named-five-star-wealth-managers) by [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management) - [![8 Questions to Ask Yourself Before Making a Major Purchase](https://blog.scmadvice.com/hubfs/SCM-Nov1.jpg)](https://blog.scmadvice.com/8-questions-to-ask-yourself-before-making-a-major-purchase-2) [8 Questions to Ask Yourself Before Making a Major Purchase](https://blog.scmadvice.com/8-questions-to-ask-yourself-before-making-a-major-purchase-2) by [David Herman](https://blog.scmadvice.com/author/david-herman) ## Gregory S. Ostrowski ![Gregory S. Ostrowski](https://blog.scmadvice.com/hubfs/Ostrowski%20Blog.jpg) Managing Partner, CFP®, ChFC®, CRPC®, BFA™ ### Recent Posts ##### [HSAs: One Of The Most Overlooked Retirement Accounts In 2026](https://blog.scmadvice.com/hsas-one-of-the-most-overlooked-retirement-accounts-in-2026) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Aug 21, 2026 Most people treat their health savings account like a rainy-day fund for copays and prescriptions — not a retirement account. But new, higher\[...\] [Read More](https://blog.scmadvice.com/hsas-one-of-the-most-overlooked-retirement-accounts-in-2026) ##### [Six Steps to Get Your Personal Finances Under Control](https://blog.scmadvice.com/six-steps-to-get-your-personal-finances-under-control) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Jul 31, 2026 Most people have a general sense of what they earn. Far fewer have a clear picture of what they spend — and an even smaller number have a real system\[...\] [Read More](https://blog.scmadvice.com/six-steps-to-get-your-personal-finances-under-control) ##### [6 Financial Strategies That May Work Across Every Stage of Life](https://blog.scmadvice.com/6-financial-strategies-that-may-work-across-every-stage-of-life) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Jul 17, 2026 Life has a way of throwing financial curveballs — sometimes one after another. A new job, a wedding, a baby, a parent who needs help. Each one comes\[...\] [Read More](https://blog.scmadvice.com/6-financial-strategies-that-may-work-across-every-stage-of-life) ##### [What Is a Pension Buyout? Our Pension and Wealth Management Advisors Explain](https://blog.scmadvice.com/what-is-a-pension-buyout-our-pension-and-wealth-management-advisors-explain) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) May 13, 2026 A pension used to be a common source of income in retirement, but today, many employers are shifting away from these plans and offering other options\[...\] [Read More](https://blog.scmadvice.com/what-is-a-pension-buyout-our-pension-and-wealth-management-advisors-explain) ##### [Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Apr 15, 2026 [Read More](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) ##### [New Year: 16 Financial Resolutions for Every Life Stage](https://blog.scmadvice.com/new-year-16-financial-resolutions-for-every-life-stage) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Dec 29, 2025 It’s that time of year when we realize we may be indulging a little too much, and maybe our bank account is feeling the impact. But not to worry.\[...\] [Read More](https://blog.scmadvice.com/new-year-16-financial-resolutions-for-every-life-stage) ##### [Nine Steps to Improve Your Retirement Assets Longevity](https://blog.scmadvice.com/nine-steps-to-improve-your-retirement-assets-longevity) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Jun 11, 2025 One of the most common questions we are asked is, “What should I be thinking about when nearing or considering retirement? As a financial advisor in\[...\] [Read More](https://blog.scmadvice.com/nine-steps-to-improve-your-retirement-assets-longevity) ##### [4 Spring Cleaning Tasks for Your Money](https://blog.scmadvice.com/spring-cleaning-tasks-for-your-money) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Feb 06, 2025 [Read More](https://blog.scmadvice.com/spring-cleaning-tasks-for-your-money) ##### [6 Things to Teach Your Children About Money](https://blog.scmadvice.com/6-things-to-teach) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Oct 30, 2023 It’s never too early to teach your children about money. Starting them off on the right financial foot may be one of the best things you can do for\[...\] [Read More](https://blog.scmadvice.com/6-things-to-teach) [All posts](https://blog.scmadvice.com/all) [![Scarborough Capital Management](https://blog.scmadvice.com/hubfs/ScarboroughCapitalManagement_June2019/Images/logo.png)](https://scmadvice.com/) For over 35 years, Scarborough Capital Management has been seeking to help busy people make the most of their money. With affordable 401(k) management services plus full-service financial planning and wealth management, we’re passionate about helping you achieve your financial goals… now and in the future. #### Contact - 1906 Towne Centre Blvd., Suite 260 Annapolis, MD 21401 - **Call:** 410-573-5700 or 800-200-3870 **Fax:** 410-573-5708 #### Navigate - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [What We Do](https://scmadvice.com/what-we-do/) - [About SCM](https://scmadvice.com/who-we-are/) - [Who We Help](https://scmadvice.com/our-clients/) - [Free Resources](https://scmadvice.com/resources/) - [Blog](https://blog.scmadvice.com/) - [Contact Us](https://scmadvice.com/contact-us/) ##### Find on Social: - - **![Broker Check logo](https://blog.scmadvice.com/hs-fs/hubfs/Broker%20Check%20logo.png?width=140&name=Broker%20Check%20logo.png)** **Important consumer information** This site is for informational purposes only and is not intended to be a solicitation or offering of any security and: Representatives of Registered Broker-Dealer ("BD") or Registered Investment Advisor ("IA") may only conduct business in a state if the representatives and the BD and IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, that state; or (b) are excluded or exempted from that state's registration requirements. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they would provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation. We are registered to offer securities in the following states: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY. Securities offered through Independent Financial Group, LLC (IFG), a registered broker-dealer. Member [FINRA](https://www.finra.org/) / [SIPC](https://www.sipc.org/). Advisory services offered through Scarborough Capital Management, a federally registered investment Adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. 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