So, I guess every US citizen born from what 2025 to 2029 would receive a $1,000 tax deferred account from the federal government. Wonder how many people will be born during that period of time?
To see a full schedule of our radio airtimes, please click here.
*A Roth conversion may not be suitable for your situation. The primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. The information provided is to help you determine whether or not a Roth IRA conversion may be appropriate for your particular circumstances. Please review your retirement savings, tax, and legacy planning strategies with your legal/tax advisor to be sure a Roth IRA conversion fits into your planning strategies. All rights reserved.
Announcer 00:00
Investment advisory services are offered through Foundation Investment Advisors LLC, an SEC, registered investment advisor, Brian Quaranta and his guests, provide general information, not individually targeted, personalized advice, and are not liable for the usage of information discussed exposure to ideas and financial vehicles should not be considered investment advice or recommendation to buy or sell any of these financial vehicles. This information should also not be considered tax or legal advice, past performance is not a guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company.
Steve Sedahl 00:42
Hey, welcome in, everybody. This is On the Money with Secure Money and Brian Quaranta, my name is Steve Sedahl. We’ve got a big show planned for you today. Imagine this the government giving stock options to every kid in America. Well, believe it or not, President Trump is having Congress vote to make that happen. Stick with us as we cover this story and discuss the future of retirement planning in our country. Brian, this is a big show. We’ve never really ventured down this path.
Brian Quaranta 01:07
Stock options for every kid in America. You don’t want to miss this. Come back with more On the Money With Secure Money.
Speaker 2 01:31
Do you ever feel like you are fighting for financial knowledge? Don’t let bad advice be a punch in the gut to your retirement. Take advantage of a complimentary no cost, no obligation, consultation with a local trusted financial coach. Call Brian Quaranta at 800-656-8616 or text Brian Q to 800-656-8616. That’s 800-656-8616 or text Brian Q to 800-656-8616.
Announcer 02:06
And now On the Money.
Brian Quaranta 02:08
Any good retirement plan starts with the foundation,
Announcer 02:11
Asset protection, tax reduction, holistic planning.
Brian Quaranta 02:16
These are the things that start to move you towards having a retirement plan
Announcer 02:19
Retirement doesn’t have to be complicated.
Brian Quaranta 02:23
You think that’s the difficult part? That’s just getting started.
Announcer 02:27
And now On the Money with Secure Money.
Steve Sedahl 02:33
We’re back On the Money with Secure Money. Brian Quaranta is here. Brian, of course, been helping folks for a couple dozen years, and then some president, CEO of Secure Money Advisors. He has written a book that everyone’s talking about, right track your retirement, a simple planning strategy to help you reduce risk, build income and provide peace of mind. Good news is Brian’s giving that book away for free, right, Brian?
Brian Quaranta 02:53
Free. I mean, I hate to use the word free, because, you know, it just, you know, doesn’t lend credit to the how good book is, because I literally pay for the shipping and handling. It really is my gift to people, because the way I laid that book out, Steve was, I mean, I literally laid out the game plan in that book, and people could take that information, they could literally go do it themselves, because I don’t hide anything. I think there’s any reason to and you know, one of the things I’ve said for a long time, probably the past 20 years, is that people are smart. They just need good information, unbiased information, and they need it laid out in a way that they can understand. No jargon talk in the book, right? No fluff where you got to get through chapter after chapter to get to the main point. You know how all these books start?
Steve Sedahl 03:52
Oh, I know, yeah, it’s just like the click bait online. Oh, get to the point of the story.
Brian Quaranta 03:56
It kills me. But yes, you can go to RightTrackYourRetirement.com and get a copy of the book absolutely free, like I said, I would pay for the shipping and handling. And while you’re there, you can actually schedule a time, you know, to come in and visit with the team and go through your situation. And we’re not there to sell you anything. We’re there to help you solve problems if they exist. Not everybody has problems. You know, some people have good plans, and they don’t need our help. And we’re happy to tell them that. We’re happy to tell them that, sure, but yeah, again, RightTrackYourRetirement.com. Go there right now. Don’t procrastinate, because every one of us needs a plan for retirement.
Steve Sedahl 04:36
Absolutely. Well, this is going to be fun, because, you know, this Big Beautiful Bill that keeps talking about, people hate it, people love it. Do whatever bottom line we’re going to dig in, and there’s some good, there’s some bad, but I think this first part is something that really I hadn’t heard about, but it’s- it’s a presidency. Let’s see. Getting seed money from Uncle Sam for investments the future of American retirement planning. Go listen
Donald Trump 05:01
Every US citizen born after December 31 2024 before January 1, 2029 the federal government will make a one-time contribution of $1,000 into a tax deferred account that will track the overall stock market. In other words, it’ll be pegged to an index that we’ll pick. This is a pro family initiative that will help millions of Americans harness the strength of our economy to lift up the next generation.
Steve Sedahl 05:32
What do you think, Brian?
Brian Quaranta 05:34
So, I guess every US citizen born from what 2025 to 2029 would receive a $1,000 tax deferred account from the federal government. Wonder how many people will be born during that period of time? Yeah, I think it’s great, Steve. I mean, I think it’s absolutely wonderful that this is a great way to put kids on the track to retirement right away. And look, we’ve got a retirement crisis, so we might as well fix it from the day that they’re born.
Steve Sedahl 06:05
You know what? I think that’s- I think that’s the logic, isn’t it? The logic behind it. I mean, to say, All right, look up, we’re gonna, I mean, tax deferred 1000 bucks from the time you’re born till the time you’re 60. I mean, how much is that gonna be?
Brian Quaranta 06:15
Yeah, yeah, we’d have to, we’d have to run some- at break I’ll have to run a calculation on that and see what that $1,000 would grow to by the age of 62 if we got, like, a 7% rate of return. Yeah, it would be interesting to look at with no other deposits, right? Just look at it. Just the federal government gave me $1,000. That’ll be some big money. And by the way, it benefits- Let’s not forget, it’s a tax deferred account too, Steve, so yes, let’s think about what that actually means. It means that it’s going to grow tax deferred, but when money starts to come out in the future, taxes are going to be owed on it, which are going to go back to the federal government.
Steve Sedahl 06:52
There you go. You see, it’s full circle.
Brian Quaranta 06:55
It’s a win- It’s a win-win, right? Full circle, baby.
Steve Sedahl 07:00
Couple other things that we’re going to talk about, private contributions and guardian control. What does that mean? Let’s see what- yeah, what does that mean?
Brian Quaranta 07:08
Well, Guardians could contribute up to $5,000 annually to the account. And private sector CEOs have pledged billions to support these accounts, which I think is pretty cool. You know, families who, I guess, actively contribute, could supercharge a child’s future financial independence, like we said, you know, because we’re talking about starting earlier for retirement. So, but you know, again, we’re going to see how all these work, because the, you know, it’s all comes down to the funding mechanisms, I guess, right?
Steve Sedahl 07:44
Sure. Well, and again, that’s where things get a little, you know, a little dicey, and not all good, right? Program funded through a broader budget bill that includes cuts to Medicaid, which people don’t like. The CBO estimates it could add another 2.4 trillion to the debt. What’s the impact on that?
Brian Quaranta 08:00
Yeah. Well, you know, I don’t think this debt ever is going to go away. It’s almost an impossible number to
Steve Sedahl 08:07
At this point, yeah.
Brian Quaranta 08:08
I mean, look at, look at what the DOGE committee, somewhere around what was- 80 billion, was it?
Steve Sedahl 08:15
Something like that, Yeah.
Brian Quaranta 08:08
You know that they wound up cutting out. And so I think that that conversation, look, I did you, have you seen the movie Reagan with what’s his name…
Steve Sedahl 08:15
I have not yet.
Brian Quaranta 08:28
Is it? Dennis Quaid, I think.
Steve Sedahl 08:30
Yeah, you’re right. No, I know. I have not yet seen it.
Brian Quaranta 08:32
But, I mean, they were talking about this back in the early 80s, man, you know, oh yeah, say the message. I mean, if you watch the movie, it’s quite hysterical, because you listen to a lot of the speeches Reagan gave, and you hear a lot of Trump in there. So, you know, but yeah. Anyway, all right, so folks, go to RightTrackYourRetirement.com get a copy of my book. Also, Steve, tell them how they can call and get a hold of us and schedule a complimentary meeting.
Steve Sedahl 09:04
Absolutely. It’s very simple. Just give us a call. 800-656-8616, that’s 800-656-8616, goal here at the show is to help you make the best decisions for you when it comes to your retirement. So, if you’ve got questions about what we’re talking about, maybe how it applies in your own situation. Give us a call. 800-656-8616, 800-656-8616, quick break for us. We’re going to come back. Continue our conversation On the Money with Secure Money and Brian Quaranta, when we come back.
Brian Quaranta 09:34
What if the key to better financial decisions isn’t just about numbers, but your mindset? discover how simple shift in perspective can reduce your stress, increase savings, and most importantly, put you back in control, and we come right back with On the Money with Secure Money.
Announcer 09:59
And now On the Money with Secure Money.
Steve Sedahl 10:08
We are back. Brian Quaranta is here. This is On the Money with Secure Money. Brian really is Secure Money. That’s, I mean, Secure Money, SecureMoneyAdvisors.com is your website, but Secure Money that that was your creation. I mean, you’ve, it’s, it’s the vision that you have. You were just telling me between the during the break there, about how you’ve grown and how you’ve expanded, and how you know you’re, I mean, you’re pretty excited about all the things going on.
Brian Quaranta 10:32
Yeah. I mean, look, our message is resonating with people. It always has. But you know, you and I were talking before the show started that. You know, we’re going on close to seven years of doing this show together, exactly. So, the more that people have heard our message, you know, of course, the busier we’ve gotten. And you know, one of the things that we hear often, which really makes me proud as a business owner, is Brian, you. Your message resonates with us. We’ve been with a lot of different advisors. Nobody’s ever sat down and asked us the questions that your team asked us, and nobody’s actually ever showed us a plan the way that your team has shown us a plan. We have more clarity now than we’ve ever had. And what we hear time and time again is we wish we would have met you 10 years ago. So, I mean, those are, you know, and those are things we survey, right? So, I mean, you can just look at our Google reviews, you know what people say about us? So, yeah, we’re very, very proud of it. We’re very humbled by it. You know, we know we’re not the right fit for everybody. And I think that’s one thing that people should feel very comfortable about, is that, you know, when you come to secure money, advisors, we’re not salesmen, we’re problem solvers, there is no high pressure. You’ve got to do this. Our job is to do what we promise you we’re going to do, and that is to give you a complimentary no pressure, no obligation, second opinion. And just give you, deliver you the facts right. Just deliver you the facts right. And when people have the facts backed up by the data too, right? I mean, what I don’t like is a lot of times, you know, I was just telling my wife about this. I said, you know, we’ve been working with a real estate agent. And I said, I just don’t like how the real estate agents go, you know, into these closed door back-office meetings and go. Okay, so here’s what was discussed, and here was negotiations and blah, blah, blah, blah, blah. It just, you know, I don’t know what’s being said. I don’t know how those numbers are being come up with. I don’t know the guy really say no to my offer, or is that just being made up. So, I just hate backdoor decisions. Closed I should say, you know, back room closed door decisions, right? I like that. So, what we do is we work with the client right there to show you how we’re coming up with the solutions that we’re coming up with. You’re part of the planning process. And people love that, because they’re seeing how the numbers are coming together, and they’re taking ownership over the plan. And so, it’s not this big Wizard of Oz magical thing where you go, ta da, here’s how we solve your problem. You’re like, Well, how did you get there? Is that really the right thing? You can just see through the process that this takes you down the right path that you’re looking for, and it takes you down the path of putting yourself back in control, just like we talked about, right? And really, when we talk about mindset, right, we said talking about better financial decisions. It’s not just about numbers, but it’s about mindset. And we really are at Secure Money Advisors, behavioral financial therapist.
Steve Sedahl 14:06
I know you are. I mean, yeah. I mean, all that is a big part of what you do. You have to, almost.
Brian Quaranta 14:13
Yeah, because, hey, Steve, did you know that 77% of Americans report feeling anxious about their financial situation, and 58% feel that finances control their lives.
Steve Sedahl 14:27
That’s a terrible feeling. Yeah. I mean, right, yeah. Just, just to set this up, this is from the mind over money study by Capital One and the Decision Lab, just so we-
Brian Quaranta 14:38
Yeah, It’s a legitimate study, right?
Steve Sedahl 14:40
Yeah, right, absolutely.
Brian Quaranta 14:41
You know, there was some things that came into my email inbox last week while I was out of office, and the- can you believe that four out of 10 retirees will go broke before they die.
Steve Sedahl 15:02
Four out of 10?
Brian Quaranta 15:04
Yeah, imagine.
Steve Sedahl 15:05
Well, that’s a terrible statistic.
Brian Quaranta 15:06
Terrible that-
Steve Sedhall 15:04
I hate that
Brian Quaranta 15:08
That’s from Aegon Retirement Readiness survey in 2023 by the way, women are particularly at risk. Matter of fact, 80% of women will be solely responsible for their finances at some point due to divorce or widowhood. You know, people don’t take that into account either. Is, you know, what happens when my spouse dies? I mean, it’s a big deal. I mean, not only do you have a loss of income, but you now are a single tax filer, and you go into a higher tax bracket, right? So, so you have this loss of income, which you know is roughly about 30 to 40% of your income is lost when your spouse dies. That’s incredible. So, you know, this is why planning is so important. But most people don’t run out of money because of bad spending. They run out of money because of poor planning, market losses, and, of course, living longer than expected. And people are not planning for that, especially the big Wall Street box firm, Steve, I mean, you know, they still like to have the same message, you know, we’re going to invest for the long term. You lose money. Don’t worry about it. Hang in there. You’re in it for the long haul. These are not solutions. They’re cookie cutter phrases that manage people’s emotions and investments are not the solution to retirement planning. It’s a completely different ball game, and this is why I encourage you to go to RightTrackYourRetirement.com get a copy of my book, because I do lay out a road map for you on how to approach retirement. You’re going to be playing a different game. Folks, you got to understand it’s an absolutely, completely different game. There’s two phases to our money, accumulation and distribution. You go into the distribution game, and you got to understand the rules of that game. A lot of you folks out there are still playing accumulation in retirement, and it’s a very, very risky game that you’re playing.
Steve Sedahl 16:59
Sure, and again, we’re talking about just the mindset of dealing with our money, and I think focus on values over features when making consider how they align in your long-term goals. I guess that makes sense. I mean, to have those kinds of discussions, but I’ll tell you what. Brian, I don’t mean to rush it, but we need to take a quick break.
Brian Quaranta 17:18
That’s right. Let’s get there, and don’t forget to go to RightTrackYourRetirement.com and get a copy of the book and call 800-656-8616 and our team is staying by to take your call and get you scheduled.
Steve Sedahl 17:32
Sounds fantastic. Brian, 800-656-8616. It’s advice like that that shows you really how important it is to meet with a financial coach, somebody who understands the ins and outs of the financial world. So, we invite you to take advantage of this opportunity to make sure that you are on the right path. That path, of course, is based on your risk preferences, your budget and your goals. So, call right away. 800-656-8616 800-656-8616 quick break for us. We’re going to come back. We’ve got more to talk about On the Money with Secure Money with Brian Quaranta.
Brian Quaranta 18:03
Have you finally figured out what you want to be when you retire? I know for me, it’s comfortable, and a lot of people believe that simply having a nest egg means they’re prepared for retirement. But once you retire, the question isn’t about how much you saved, it’s about how much you’re going to use when we come back, we’re gonna talk more about that and break it down with more On the Money to secure money, come right back.
Speaker 5 18:30
Thank you for calling There is No Human Being Here Whatsoever Financial. Please say the reason you’re calling retirement planning. I think you said high risk investment. Is that correct? No, let’s try again. Please say in a few words your reason for calling.
Speaker 6 18:47
Retirement planning.
Speaker 5 18:51
I think you said early Social Security claiming strategies. Is that correct?
Speaker 6 18:56
No! Real live human person retirement planning. Oh forget it.
Speaker 7 19:09
May I help you?
Speaker 6 19:10
Retirement planning!
Speaker 7 19:13
Yes, sir, I’ll connect you with one of our team members right away.
Speaker 8 19:15
Isn’t it refreshing when you can deal with a real person, someone who knows you. That’s exactly what you experience when you call us and make an appointment. Total retirement planning with someone who knows you and your unique financial situation.
Speaker 6 19:30
Call Brian Q with Secure Money Advisors, 800-656-8616, 800-656-8616 and a real, live person will call you back.
Announcer 19:43
And now On the Money with Secure Money.
Steve Sedahl 19:50
We’re back On the Money with Secure Money. Brian Quaranta’s here. My name’s Steve Sedahl, and this has been boy, we’ve covered some ground, and I really think sometimes it’s important to sort of go back to the basics, which is kind of what we’ve been doing, just some sort of bottom line kind of stuff that we have to do.
Brian Quaranta 20:05
Yeah, so let’s talk about the basics. There’s five key areas. There’s number one is income and because when we retire, we have to replace that paycheck. I mean, I get tired of hearing myself say because I’ve been saying it for 20 years. Number two is making sure that you have the right investment approach, because the game that you were playing to accumulate your money is not the same game that you played to distribute your money. And the majority of people out there, if you ask them what their main purpose is for those retirement accounts that they have, Steve, it is to use that to supplement what they’re getting from Social Security and pensions and things along those lines. Number three is you got to have a great tax strategy, because if you don’t, you could be overpaying in taxes in retirement. And plus, when we really talk about taxes, what we’re talking about is preserving your purchasing power. Because the less taxes you have to pay, more money goes in your pocket more purchasing power you have. So, number four is, what happens if you have a health event? Most people do not have these conversations with their financial advisor, right? What are we going to do if you have a health event? How are we going to solve that problem? Because here’s the bottom line, you’re going to have to pay for it, or some type of insurance is going to pay for it, right? And you got to prepare for that. So, and then number five is estate planning. Now, estate planning is one of those things where I find it quite comical, because people put together these estate plans without first putting together a retirement plan. And you don’t have an estate plan without a retirement plan and strategy for your money, because if you go broke, like four out of 10 people do, there is no estate plan. There is nothing to pass along except for maybe some assets. So, these are the basics, right? And these are the things that we absolutely must focus on in retirement. And these are the things we focus on at Secure Money Advisors, Steve.
Steve Sedahl 21:59
And one of the things that that you also focus on, you mentioned taxes, but the tax planning in retirement is just so important, and again, it can sneak up, sneak up on you and deliver a message you don’t want to hear.
Brian Quaranta 22:13
Yeah, and quite frankly, a lot of people just disqualify themselves from tax planning because they wait too long, because tax planning, again, is not an event like you’re doing on April- in April right where you’re meeting with your tax accountant and you’re paying your taxes. Tax planning takes place over a longer period of time, typically within 10 years of retirement is where that best tax planning window is, and so if you’re, you know, in your 60s, and you’re getting ready to retire, you’re not going to benefit from all the tax planning strategies out there, because it’s too late, and you might not, you know, have enough time to actually benefit from, like, let’s say, something As simple as a Roth conversion, because you’re going to need your money now. And if you did a Roth conversion, you’re going to pay too much in taxes, and you’re not going to have time to recover what you had to pay out in taxes. And so, it would deplete your money at a too rapid of a pace. And so, you just lost the benefit of tax-free income and retirement because you waited. And this is why working with someone that focuses like secure money does in retirement planning strategies, that’s all we do. If you know, I mean, we’re not working with folks that are in their 20s and 30s and 40s. I mean, you know, all of our clients are 55 and older. If we have a younger client, it’s solely for the fact that we work with our clients’ kids, and that’s it, right? And that’s where we’ll help them. But you know, we’re having the same conversations over and over and over and the financial industry. Steve, what really bothers me about the financial industry is we’re one of the only industries that doesn’t refer out to a specialist. For example, if I go to my doctor and I have knee pain, and my primary care physician cannot solve that knee pain by a simple, maybe steroid injection or something, they’re eventually going to refer me to a specialist that focuses on it. That does not happen in the financial industry, your general practitioner, right? Typically, your advisor with the big box firms is going to be you’re- also your retirement planner, right? And again, they work within that accumulation phase. They don’t specialize in the distribution phase. A lot of them can’t even talk about tax planning. They can’t even talk about, you know, the product designs and account designs that go into the distribution planning. But yet they disguise themselves as retirement planners. And I think that’s one of the biggest disservices that we do to the public in the retirement planning community is not differentiating between those specialties.
Steve Sedahl 24:49
Sure. Well, yeah, you make- you make sense. And so how do you get around that? In other words, you become the- you know you have to have knowledge of everything, right?
Brian Quaranta 24:58
We do. A because we use, essentially, what we call a barbell strategy, which a lot of big hedge funds use. So, we have another reason why we call it a barbell, is, if you think about a barbell, right, you got to wait on one side. You got to wait on another side. But those weights are doing two very two different things. And you know, one is providing a cash flow strategy, while the other one is providing a growth strategy. So, we have to be all encompassing with this distribution plan, because we have to be able to distribute the money, but at the same time replace the money that we’re taking so we don’t run out of money. So, we either have to preserve principle right, completely preserve principle, or we need to grow the money at the same time we’re taking it and that, and that’s a whole different set of challenges. And in order to do that, a lot of your big Wall Street box firms cannot because they’re limited to what products they can use, right? And so, if you’re limited to the product, imagine you come to the table and you open up your toolbox, and the only thing you have in there is hammer.
Steve Sedahl 26:01
Yeah, well, you know, it’s good for something,
Brian Quaranta 26:03
But yeah, and we got, and now we’ve got to build something that, you know, we’ve got to hammer nails, we’ve got screws, we’ve got Allen wrenches, we’ve got, I can go on and on and on with the analogies, right? But you get the point. And essentially, we’re coming to the table with a different set of tools. We got a lot of different tools in our toolbox to be able to solve all these unique problems, and folks, that’s why I’m telling you go to right track your retirement right now. Get a copy of my book. It’s absolutely free, and Steve will tell you how to call us and get a complimentary second opinion.
Steve Sedahl 26:31
You got it, Brian, it’s 800-656-8616, 800-656-8616 why we’re giving you the opportunity to review your individual circumstances, as Brian says, no cost, no obligation, call us right away. 800-656-8616, 800-656-8616 quick break back with one more segment On the Money with Secure Money and Brian Quaranta.
Announcer 27:01
And now On the Money with Secure Money.
Steve Sedahl 27:08
We are back On the Money with Secure Money. Brian Quaranta is here having a fun show. We had a great- this has been a great show. Very poignant, I think, because there’s so much going on, Brian, and fortunately, you get to be that voice of reason, that voice of calm through a tumultuous time, which is it? And I like the fact that you’re just saying, hey, my clients, they’re happy. Yeah, you want to be a happy client and give Brian a call. I mean, to live through these things.
Brian Quaranta 27:30
Yes, that’s right. That’s right. I mean, look, the truth is, I am always here to be transparent. But you know the truth is, you know, if you take, you know, the, you know, the 1500 households that we manage, you know, you can still have people that have 70% of their money protected and 30% of their money at risk, and when the markets move, they’re still getting nervous, right? So I don’t want to, you know, act like we don’t get any phone calls, you know, but those people truly are in a position of strength, because they have so much money protected that even at the market, with down 50% I’m not concerned, and sometimes they just need a reminder, because, again, they don’t do this every day, right? These people are professionals in all different areas. I mean, you know we’ve got, you know, you know we’ve got retirees, you know, from all different walks of life. So, they, some of those folks, just need to be reminded, you know, that they’ve have all of that money protected, that they’ve got that money, you know, some people forget that their income is even guaranteed, because they’re just not used to, you know, things being that way. So, yeah, but absolutely, and folks, if you haven’t yet, go to RightTrackYourRetirement.com and get a copy of my book, please, and learn how to build yourself a great retirement plan.
Steve Sedahl 28:46
So let me ask you this. This is something that we’ve heard, you know, time and time again, whenever the market does something like this, or whenever there’s a big change, and people will say, Well, this time it’s different.
Brian Quaranta 28:56
Yeah.
Steve Sedahl 28:56
Is it?
Brian Quaranta 28:57
No, it’s never different. Thank you. What’s different about it? I mean, it’s going to go down, how far it goes down, nobody knows when it’s going to come back. Nobody knows right. And then, you know, somebody is going to say something, and they’re going to get it right, and then all of a sudden, they’re going to say, I called it. I told you this was exactly what was going to happen. The truth is, if you just get my book right track your retirement. You’re going to learn about a blueprint and a roadmap that is so simple to follow and is just logical and makes sense, that you’re going to have the moment that a lot of people do and go, I just get it I get it right. But now there’s always going to be the skeptics out there like, oh, what’s the catch? What am I missing here? And you’re not missing anything. You’re just, you’re being introduced to a new way of thinking. And some people have a hard time adopting a new way of thinking and that can be the challenge for some folks, so, but you know, I’m going to tell you there’s five reasons. We’re gonna go through this real quick. There’s five reasons why people are making changes and firing their advisors. Number one, you know, we don’t believe, you know, at least at Secure Money Advisors, we don’t believe in check the box annual reviews. You know, you won’t find these stuffy once a year meetings, because life doesn’t happen that way. You know, it’s not on a 12-month schedule, and your retirement plan shouldn’t be either. And so, you know, we don’t do these check the box annual reviews. Instead, we give all of our clients access to unlimited planning appointments throughout the course of the year, and they set the schedule, you know. So, you know, if they need to come in, they come in. You know, we’re always monitoring things, and so our job is to build a plan that allows them to go enjoy retirement. What’s the point of having a Retirement Advisor? Build you something if you constantly are burdened would happen to make decisions you should be out enjoying retirement, even if the markets falling like a hot rock right now, you know. So, you know. And you know a lot of people, they don’t have a- what I call the inventory binder. You know, you should have a structured income plan. You should have your entire asset summary, even you know, all consolidated. You know, whether they’re with our firm or outside the firm, you should have an investment strategy and a tax plan. You should have your estate documents and your insurance information, and you should have a step-by-step plan for your family if something happens, our binder, our financial inventory binder, it’s your entire financial life, organized, clear and ready if your family ever needs to step up. And people, our clients, love it. You know, so many people go, That’s exactly what we need. You know, a lot of people will say, Look, my plan feels generic. You know, a lot of people have cookie cutter plans. You know your financial strategy should not reflect, you know it should reflect your goals, your tax situation, your legacy wishes. And so, you know, we cover the five key areas, income planning, investment strategies, tax efficiency, healthcare, estate planning. A lot of people are paying fees, Steve without seeing the value. You know, people think value is doing one review a year. No, you know, you think about what we do at Secure Money Advisors, our clients get, you know, weekly financial tips of the week. We’ve got the live radio show that airs every Monday and every Saturday morning. We’ve got the television shows that air twice a week. We’ve got 100 plus educational events. We’ve got quarterly webinars, multiple client appreciation events, and a lot, lot more that I don’t even have time to go over, right? But that’s real value. You want real value. That’s real value. And a lot of people aren’t even hearing from their advisor, or they’re getting one, you know, one hour review a year. That’s you. Your advisor should be out there. Your advisors should be a thought leader in the in the market itself. And you want a true guide. You don’t want a stock picker. We don’t pick stocks. We hire professional money managers, Steve, to oversee them. Why? Because we know our job is to build and manage your retirement plan. A heart surgeon doesn’t make the pacemaker. He installs it. He understands how to connect it ensure that it works. An electrician didn’t invent electricity, but he knows how to wire your home safely and effectively. And a great financial advisor doesn’t tinker with stocks all day long. They make sure you have a whole financial house that’s wired correctly. So, I could go on and on, but go to RightTrackYourRetirement.com. Get a copy of my book. Steve, tell them how they can schedule an appointment too.
Steve Sedahl 33:15
Just a phone call away. 800-656-8616 make that call today while you’re thinking of it. 800-656-8616. Brian, as always, a pleasure. Let’s do it again next week.
Brian Quaranta 33:24
Let’s do it, we’ll see you again, folks, thanks again for joining us.
Announcer 33:31
Investment Advisory services are offered through foundations investment advisors, LLC, an SEC registered investment advisor. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed here, expressed herein are those of the individual speakers and are not necessarily those of foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only, and have been provided to help determine whether they may be appropriate for your specific situation. If applicable. The primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement or on the distributions of your beneficiaries. Each individual investor situation is different, and any ideas provided may not be appropriate for your particular circumstances. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Foundations only transacts business and states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor is not an endorsement of the firm by securities regulators and does not mean the advisor has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security portfolio of securities or investment strategy is suitable for any specific person, no legal or tax advice is provided. Please review your retirement tax and legacy planning strategies with a legal or tax professional before transacting or implementing any strategy discussed here in any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to investment advisory products, rates and. Guarantees provided by insurance products and annuities are subject to the financial strength of the issuing company, not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration any federal Medicare program, nor any US government agency. If applicable, we do not offer every plan in your area and contacting us at the phone numbers provided herein will direct you to a licensed insurance agent. Any information we provide is limited to those plans we do offer in your area, please contact medicare.gov or one 800 Medicare to get information on all of your options. All rights reserved.
Outro 35:27
Coach P Radio!
