Your future isn't going to pay for itself.

The decisions you make about your 401(k) or 403(b) plan today will have a huge impact on your life tomorrow.

Common Financial Sense will give you the knowledge you need to fund the retirement you deserve.

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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.
— Hazel O’Leary
, Former United States Secretary of Energy

What is Common Financial Sense and why does it matter?

The decisions you make about your 401(k) or 403(b) plan today will have a huge impact on your life tomorrow. 

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
  • Avoid 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.

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 20-something kids.
— Skip Schweiss, President, TD Ameritrade Trust Company

About the Authors


Harris Nydick

Co-Founder, CFS Investment Advisory Services

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.

Read the book. Make Smart Decisions. Fund Your Retirement.