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.
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
Remember to Review Investment Elections in Your Retirement Plans
Posted by
Alex M. Velazquez on May 21, 2025 9:00:00 AM
Topics: Financial Planning
Managing Risks for Retirement Spending
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.
Topics: Financial Planning