Robert M. Ryerson, a CFP at New Century Planning in Freehold, New Jersey, provides clients with information and guidance about identity theft, retirement distribution planning, and estate planning. Outside of work, Robert M. Ryerson loves traveling and is particularly fascinated by Ecuador, a small but extremely diverse country.
Due to Ecuador’s diverse geography, it has no universal winter and summer season. Instead, the country has a dry season and wet season. The wettest time of the year for most of Ecuador runs from January through May. Rain levels are particularly high in the Amazon, thus causing periodic flooding in the forest, road closures, and plenty of mosquitoes. Still, the mild temperatures in the forests between these months appeal to many tourists.
Meanwhile, Ecuador is driest between June and September. Since these months correspond with summer vacation in North America and Europe, flights, accommodations, and crowds usually increase during this time. There are also several festivals held between June and September that draw in even more crowds. Crowds are also high between October and December due to the many national holidays celebrated during these months.
During both Ecuador’s dry and wet season, weather in the highlands and the Galapagos vary a bit. Between January and May, the highlands still experience higher levels of rain, but tend to be warmer. The same is true of the Galapagos and the water around the islands. Temperatures decrease between June and September. Along with cooler temperatures, the island’s less friendly waters keep many tourists away.
A financial professional with more than three decades of experience, Robert Ryerson works closely with clients in the Freehold, New Jersey, area to meet their financial planning needs. As a Certified Financial Planner (CFP) at New Century Planning, he focuses on retirement income planning, as well as estate administration, regularly assisting his clients with legacy and estate planning. He also advises them on health and disability insurance, including Medicare, Medicaid, and Medicare Supplement Plans. Mr. Ryerson’s many years helping his clients navigate the complexities of retirement planning gave him a deeper understanding of the healthcare costs that retirees face. In 2013, he drew upon this knowledge to co-author the book What You Don’t Know About Retirement Will Hurt You.
Outside of his work at New Century Planning, Robert M. Ryerson is a regular fixture at workshops and seminars on retirement. He has delivered several keynote speeches on the often-confusing topic of required minimum distributions. Mr. Ryerson continues to share his financial expertise as a facilitator of online courses for Certified Public Accountants through The Society for Financial Awareness.
In the early 2010s, Mr. Ryerson became concerned about the threat of identity theft after noting the many cybersecurity breaches suffered by major companies. He became a Certified Identity Theft Risk Management Specialist (CITRMS) in 2014. He has since taught identity theft recovery courses at local community colleges. Mr. Ryerson also wrote a book on the topic entitled What’s the Deal with Identity Theft: A Plain English Look at Our Fastest Growing Crime.
A graduate of Rutgers University with a degree in economics, Mr. Ryerson began his career in the financial services industry as a stockbroker. He obtained his CFP designation in 1991 and began working as an independent financial planner a few years later. In addition, he is a notary public.
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