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You should never build a plan around a market that you can’t control, because that means that you must have the market cooperate 100% of the time in order for you to be successful with your investments.
And so, what Rebecca and I are talking about here right now is how to eliminate taxation when you pass it on to your heirs.
Your 401(k), your IRA, your 403 B account. That money is tax deferred money, which means that every dollar that comes out is going to be taxable, and if you don’t do any type of tax planning, that tax bill is going to become larger and larger.
Some of the questions I typically get, are annuities a good way of preventing myself from running out of money? And the answer is yes, because annuities are an insurance product. That’s exactly what they’re designed for, right?
They are not an investment. They are an insurance product. They are designed to do one thing and one thing only, and that’s insure and guarantee your income. So, think about this for a minute. Do we insure our home? Yes, our cars, our health, right?
Why would you have your money invested so aggressively to try to achieve a 20% rate of return when you only need 5 to 6%?
It’s never too late. And I’m going to tell you there’s lots of great strategies that you can utilize to really accelerate your retirement savings. I’ll give you a perfect example. I had a lady came in. She got divorced later on in life. She had raised the kids. She
We have a lot of questions and a lot of comments, and a lot of people are asking about health care, and we always talk about for your retirement. Why is health care one of those columns of the things you help people with?
Pensions still exist in a very small percentage. And if you look at how pensions are designed, they’re designed to provide you with a monthly income. Now, what’s unique about a pension is that typically, if you have one, you know, we still see teachers having them, state workers like
