Personal Investments




Portrait of Michael Risko  BrokerCheck so you can check the background of this investment professional.

Michael Risko Financial Consultant, Osaic Institutions Inc.


Retirement Planning

Will there be any rest in the rest of your life?

A comfortable, secure retirement is the centerpiece of the American Dream. But it doesn’t happen on its own. Have you considered exactly how much you’ll need? Where that money will come from? How secure you’ll be amidst the changing financial landscape? It may seem a long way off, but the truth is it’s never too soon to begin retirement planning.

College Savings Plans

Will four years of college mean more years of savings?

Sending children or grandchildren to college will likely be the largest single expense of your lifetime. That’s not something you can start thinking about at their high school graduation. Do you have any clear idea of how much a quality education will cost? To win this uphill battle, you need to establish a sound college savings plan – sooner, not later.

Wealth Management

Will your net worth today be worth more tomorrow?

You probably concentrate more on earning your income, than on maximizing it. But missed opportunities can be extremely costly. Do you know how to devise the optimum asset mix and master your portfolio? How much risk can you tolerate today, and when should your risk level change? In a world where your new car may cost as much as your first house, how will your savings hold up against inflation?

Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC. Member FINRA/SIPC. Rondout Financial Services, is a trade name of Rondout Savings Bank. Osaic Institutions and Rondout Savings Bank are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.