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Retirement Planning

What’s Your “ROI”?

What’s Your “ROI”?

Written By: Allen Trimble | Secure Money Solutions Recently I met with a client for his bi-annual review to discuss his portfolio, more specifically his retirement income plan. He wants to retire in three years, and he asked me what “ROI” he needed in retirement to maintain his desired standard of living? As many of you may have done, he had done some research and come across the “4% Rule” which has been the bedrock of retirement income planning for most brokers and advisors for...

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Finding Financial Stability In Retirement

Finding Financial Stability In Retirement

Written By: Allen Trimble | Secure Money Solutions When I talk with folks about their retirement, about their portfolios in retirement and about income in retirement, one word that often comes up is “stability”. People naturally want stability in retirement. They want stable portfolios that grow consistently and earn reasonable rates of return. They want stability of income, meaning that if they are taking income from their portfolios, that income is secure and sustainable. But there is so much uncertainty in the world today that...

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Do You Have Enough Set Aside In Your Retirement Savings To Pay For Your Future Healthcare Needs?

Do You Have Enough Set Aside In Your Retirement Savings To Pay For Your Future Healthcare Needs?

Written By: Doug Wright | The Wright Group According to a recent study conducted by Aviva USA, a leading life insurance company, in partnership with the Mayo Clinic, 9 out of 10 people who responded to the questionnaire said that about 20% of their retirement savings will go toward medical expenses (i.e. insurance payments, co-payments and treatment). The actual amount will obviously depend on your daily activity and health history but most retired people will spend about a third (33%) or more of their retirement...

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Hold Off On Your Retirement

Hold Off On Your Retirement

Written By: Jeffrey Kiesel | Solid Rock Retirement Before you do anything else to plan for your retirement, do yourself a favor and read the “Gathering List” below. When you have read and done all of the items on this list you will be ready to make your preliminary retirement plan. Once you have done that, you should make an appointment to speak with a financial retirement specialist or advisor. You want that person to have a working knowledge of all or most of these...

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What Is The Difference Between A Fixed Annuity And A Variable Annuity?

What Is The Difference Between A Fixed Annuity And A Variable Annuity?

Written By: Bruce Hearon | Hearon Advisory Group As a Florida-registered investment advisor and insurance agent for the past twenty years, I have been asked this question countless times…what’s the difference between a fixed and variable annuity? My answer is consistently the same…there’s a huge difference between the two! Although both are contracts held with an insurance company, have the word “annuity,” and have the same tax advantages, they are quite different. In a variable annuity you decide the investment strategy by placing your funds...

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Does Your Nest Egg Contain Sticks of Dynamite?

Does Your Nest Egg Contain Sticks of Dynamite?

Written By: Allen Trimble | Secure Money Solutions For years, many investors have held bond funds as a way to buffer their portfolio from the volatility of the stock market. Ironically, bond funds have provided more of the returns than stock funds, in many portfolios, over the last 12 or 13 years. Now we may be approaching a point where your portfolio needs a buffer from both stock and bond funds! What many folks don’t realize is that we have been in a bull market...

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Taxes Are On Sale And You Can Save Thousands By Paying Them Now

Taxes Are On Sale And You Can Save Thousands By Paying Them Now

Written By: Nina Avery, CFP® | Avery Safe Money Solutions You may find it hard to believe that taxes are currently at historically low rates.  You may find it harder still to believe that your traditional qualified retirement plan (IRA, 401k, 403b, etc.) is a tax bomb waiting to happen. “Conventional wisdom” advises delaying or postponing paying taxes – you might know this as deferring – but the truth is, you are not just postponing the tax, you are also postponing the tax calculation. You...

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Income Taxes on Financial Inheritance for Non-Spousal Beneficiaries

Income Taxes on Financial Inheritance for Non-Spousal Beneficiaries

Written By: Lyndol Anderson | West Texas Senior Solutions This general information gives basic details on options for settling inherited financial accounts. The ramifications to a beneficiary’s personal estate and income taxes will be discussed. The most common types of inherited accounts are listed in order of highest to lowest potential income tax burden. 1) Tax Qualified Accounts: IRA’s, 401(k)’s, 403(b)’s, etc. 2) Tax Deferred Non-Qualified Annuities 3) Bank Accounts: CD’s, Money Markets, Checking Accounts, etc. 4) Life Insurance 1-a) IRA Accounts: The funds in...

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Turn Your 401-K Plan Into A “Pension” With Guaranteed Lifetime Income

Turn Your 401-K Plan Into A “Pension” With Guaranteed Lifetime Income

Written By: Nina Avery, CFP® | Avery Safe Money Solutions Someone once told me the traditional pension had gone the way of the dodo.  I found the reference odd at the time and I find it odd that I can still hear those words so clearly all these years later. Why are traditional pensions practically extinct? Traditional pensions are expensive and a huge liability to a company.  Administration and management are hard costs that cannot be negotiated and risk is ever present.  There are just...

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Protecting Against Uncertainty

Protecting Against Uncertainty

Written By: Cal Burgess | Retirement Servicing Group This morning I took my son to a local diner for breakfast.  During the meal I couldn’t help notice the couple to the booth in front of me discussing how to protect a lump sum of money.  This couple was in their mid 30s, with a 3 yr old they were busily entertaining.  The option they were discussing was a 5 year CD.  I found it interesting that the husband made the remark “5 years from now...

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