Evaluating Retirement Spending

A leading financial advisor in central Pennsylvania, Richard Braverman helps his clients plan for their futures. In addition to working with businesses, Richard Braverman works with individuals at all stages of their lives, including those who have already entered retirement.

Many people think that retirement planning ends when they leave the workforce. However, retired individuals should not stop planning and developing strategies designed to meet their needs. Retired individuals may face changing health issues, family circumstances, and other types of situations that can create the need to take another look at how retirement funds are used.

Likewise, retired individuals should not be mindful of only the amount of savings they have available. They should also look at how they spend those savings. By withdrawing from certain accounts too early, for instance, individuals may be missing out on tax benefits they could have accrued had they not touched the accounts. In other situations, retired individuals may face unnecessarily high taxes due to poorly planned account withdrawals.

These problems are not uncommon. In fact, a great many retirees are unsure which savings they should use first. Therefore, it’s often best to consult with a professional to be sure that one’s retirement spending plan is the best it can be.


Strength Training for Tennis Players

Richard Braverman, owner and operator of Braverman Financial Associates, pursues a variety of active hobbies in his free time. An avid tennis player, Richard Braverman also maintains a personal strength training and fitness routine.

Tennis requires a high level of strength and stamina. An individual match can last between 30 minutes to more than 5 hours and requires repeated movements of major muscle groups, thus placing high demands on a player’s body. Strength training, when performed correctly, helps a player to be ready to meet these demands.

Stronger muscles help a tennis player increase the power of serves, volleys, and any other type of shot, while also allowing for faster movement around the court and improving overall stamina. This combination requires a balanced strength program that emphasizes both short-term and prolonged muscular endurance, as well as targeted building of multiple muscle groups.

The United States Tennis Association recommends that players address this diversity of needs with a balanced training program. The association advises players to work core muscles daily but alternate strength building in other muscle groups. By giving each group two to three days to recover between sessions, an athlete can achieve the most effective gains and reduce risk of injury.

Carpet Tennis Courts

Richard Braverman, a financial advisor with Braverman Financial Associates in Lancaster, Pennsylania, spends his free time exercising and playing a variety of sports. Richard Braverman is a member of the Bent Creek Country Club and especially enjoys playing tennis.

Modern tennis players and fans following the professional tour are likely familiar with three distinct playing surfaces. Clay and hard courts comprise the vast majority of surfaces used throughout the world, while a smaller number of venues and tournaments utilize grass courts. However, players in the past were familiar with a few more surfaces. In fact, the International Tennis Federation (ITF) currently recognizes more than 160 unique surfaces, including carpet.

In some cases, carpet coverings can be rolled out to create a temporary court, though covers generally cannot be repaired after being used and need to be replaced. As recently as 2005, the Bercy Masters event in Paris, France, was played on carpet courts. Due to the lack of a standardized manufacturing process, carpet courts can play as a medium to somewhat fast surface. Considering carpets are usually placed indoors, they tend to play faster.