Carnegie Investment Counsel Blog

Alex M. Velazquez

Alex M. Velazquez
Alex Velazquez is the Senior Vice President and Financial Planner at Carnegie Investment Counsel, where he specializes in navigating the complex financial needs of individuals and families. He develops customized strategies for wealth growth, capital preservation, tax optimization, legacy planning, and philanthropic giving. By integrating investment management with advanced financial planning, Alex helps clients achieve their long-term goals.

Recent Posts

Supporting the Next Generation: Grandparent Funded 529 Plans

Posted by Alex M. Velazquez on Jun 17, 2025 10:00:00 AM

Many grandparents want to support their grandchildren’s education, and a 529 plan remains one of the most effective ways to do that. Recent changes to rules and regulations have given 529s more flexibility, improved tax treatment, and fewer unintended consequences when it comes to financial aid. 

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Topics: Financial Planning

Remember to Review Investment Elections in Your Retirement Plans

Posted by Alex M. Velazquez on May 21, 2025 9:00:00 AM

Like many of us, you may remember starting a new job and being handed a stack of onboarding paperwork that consisted of tax forms, health insurance elections, direct deposit info, and somewhere in the mix, your 401(k) enrollment. At this time, you likely picked a contribution percentage and selected a few investment options, sometimes with little context or guidance. For you and many others, that might be the last time that those choices were reviewed or scrutinized.

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Topics: Financial Planning

Managing Risks for Retirement Spending

Posted by Alex M. Velazquez on Apr 24, 2025 3:05:03 PM

Retirement is about more than just building up savings—it’s also about figuring out how to spend those savings in a way that lasts. One common approach is to use a fixed or “safe” withdrawal strategy, like the “4% rule,” where you spend a set percentage of your portfolio each year. But life doesn’t move in a straight line, and neither does the market. That’s why it’s important to regularly revisit your financial plan to determine whether adjustments to your spending might be needed.

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Topics: Financial Planning

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