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A unique approach tailored to your specific needs.
How to beat this economy !
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We
won't ask for your name, phone number or email. We want to know what plans people make for their futures.
A single broker or a team
of experts?
Our team approach offers a unified fee-based approach, income management, automatic rebalancing,
enhanced tax management, minimizes short-term exposure, avoids wash sales, provides one 1099, gain/loss matching all under
one umbrella with one statement. Ask us to email the Unified Managed Account brochure. Ideal account size = 100K
and up.
Looking for an aggressive growth plan?
This program is run nightly and required adjustments are made immediatley to take advantage of changes in the market
as soon as they occur. This program has been a very successful supplement to an otherwise conservative plan that has
room for a more aggressive approach. Request the email copy of our Managed ETF Plan. Ideal account size = 10K to
80K.
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Guaranteed income for life?
As a solid foundation for your retirement
plan we recommend a guaranteed lifetime income approach. This is the financial industries response to the recent market
crashes that left 401(k)s, SEPs and and IRAs with less than enough to retire on sending many seniors back to work after retirement.
What kind of a job could you get at 80 years of age? Is that where you want to be as a senior? For details.
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News Alert July 01,
2011 | Retirees Should Delay Social Security, Add Annuities, GAO Says |
(Bloomberg
News) Retirees may have to delay Social Security benefits and buy an annuity to have enough money for retirement, said a U.S.
government study.
“The risk that retirees will outlive their assets is a growing challenge,” according
to a study from the Government Accountability Office scheduled for release today. Increased life expectancies and health-care
costs coupled with declines in financial markets and home equity over the last few years have “intensified” workers’
concerns about how to manage their savings in retirement, the report said.
Annuities are insurance contracts that
can offer a steady stream of income for life. High-income households generally don’t need them, according to experts
the GAO consulted. Middle- income households, defined in the study as having a net worth of about $350,000 including their
homes, that don’t have traditional pensions should consider using a portion of their savings to purchase an inflation-adjusted
annuity, the study said. Lower-income families need to accumulate some cash savings first.
The study recommended
that retirees make withdrawals from their investment portfolios at a rate of 3 percent to 6 percent annually. Many also should
wait to take Social Security until at least the full retirement age, or 66 for those born from 1943 to 1954.
The
Social Security program lets recipients take reduced payments as early as age 62. It provides full benefits at age 66 and
increases payouts for those who wait up to age 70. Almost three-quarters of individuals took payouts before age 65, the GAO
said. Monthly benefits received at age 70 are increased by at least 32 percent compared with taking them at 66, according
to the study. |
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