Common Financial Sense

Harris Nydick, Greg Makowski

The decisions you make about your 401(k) or 403(b) plan today will have a huge impact on your life tomorrow. Your future isn’t going to pay for itself. Common Financial Sense will give you the knowledge you need to fund the retirement you deserve.

Common Financial Sense helps you to better understand your 401(k) or 403(b) plan and how to save smarter for your retirement.

Common Financial Sense lays out the basics of 401(k) and 403(b) planning in simple, easy to understand language. With the guidance of nationally recognized investment experts Harris Nydick and Greg Makowski, you’ll learn how to:

  • Choose the investments best suited for you
  • Make other important choices that are appropriate to your stage of life
  • Identify common misconceptions about retirement planning
  • Calculate the optimum amount to save each year
  • Be calm in the face of market fluctuations
  • Get to retirement with a large enough nest egg

When it comes to investing for your future, many people don’t even know where to begin or what questions to ask. Common Financial Sense is your starting point.

Press & Praise

Hazel O'Leary, Former United States Secretary of Energy

"Harris Nydick and Greg Makowski have provided the building blocks to plan and execute successfully for your retirement. Long before Common Financial Sense was written, Greg taught me that making small, informed changes immediately made big and positive differences in my situation. This guide delivers the most practical and straightforward tutorial I have ever read."

Skip Schweiss, President, TD Ameritrade Trust Company

"Harris and Greg have many years' experience helping employees with their 401(k) accounts and have used that experience to write this very readable book. I wish I had access to this book earlier in my career! I promise to pay it forward by sending a copy of Common Financial Sense to each of my three twenty-something kids."

"Dean Durling, President and CEO, QuickChek Corporation "

"Common Financial Sense is a breath of fresh air and should be required reading for everyone entering or in the workforce. Nydick and Makowski slice through the jargon and deliver a clear explanation of how to understand the value of the 401(k) plan so you can retire successfully. Their many years of teaching others have resulted in a brief, to-the-point book that delivers a valuable lesson that will last a lifetime."

Harris Nydick

Harris Nydick is a cofounder of CFS Investment Advisory Services, L.L.C. A graduate of Syracuse University, he currently serves on the Investment Committee of the American Liver Foundation and is the vice president of the Jewish Community Foundation of Greater MetroWest New Jersey. He’s been recognized by Barron’s, Financial Times, and Forbes Best-In-State as one of the top wealth advisors in the country, and he frequently speaks and writes on the topic of retirement and financial planning.

Greg Makowski

Greg Makowski is a graduate of William Paterson University and is a cofounder of CFS Investment Advisory Services, L.L.C. Greg currently serves on William Paterson University’s Costakos College of Business Advisory and Advancement Board. He is a Barron’s and Forbes Best-In-State top wealth advisor as well as a Five Star Wealth Manager. He has spoken at national industry conferences and has been featured in numerous publications and radio shows.

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