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losing money saving money


Making money and keeping it.

2 totally different statements.

Our business is built around the  RICP®  concept of creating a plan for one’s assets to last their lifetime.

Read more from Forbes report – RICP  about the RICP® Designation.

Throughout our “working years” we become conditioned to the premise that we must have  “X”  amount of money set aside for retirement.

Sometimes we miss the mark.  

Retirement is different from when you are working.  Your life changes from a 9-5 schedule to everyday’s a weekend.  Your income and spending habits will change.  Expectations of playing golf everyday soon becomes boring and then what.  Sometimes your spending will increase by more recreation and dining out.

Even at that,  it’s easy and enjoyable adapting to retirement.

Previously we discussed the health or medical concerns of retirement.  This section will look at the financial side.  This makes everything in your life possible.  The last section ( Questions – Information ) will cover other various questions or information that may be helpful.

education ira roth retirement income


Our Mission – 

I am a firm believer in education.  Not only for myself, but for my clients benefit also.  When a plan is presented, the client will be prepared to understand what to expect.  No surprises.  Running out of money late in retirement is not an option.  I also approach the subject in a logical manner.  Recognize the concern and how best to resolve it.  That’s why my wife has often referred to as me Mr. Spock more than once.

Retirement Income planning is about maintaining your lifestyle you enjoyed before retirement.  Setting a plan in place to provide income for your life time.  Taking into consideration health concerns as previously described, to estate plans discussed later.  In the interim, there will be taxes, IRA & 401K decisions to be made.   Ideally your retirement planning will start years before your actual retirement date.

I prefer and now only represent safe plans that will never lose any clients money.  I have been previously licensed for securities.  Having seen several crashes a change was in order.  A decision was made to use only safe and secure NON security products.   I am not against them, I just don’t want to be the person you seek when they go down or the fee’s are greater than any gains.  Putting your safety ahead of risk.  

Long term returns are not noticeably different from many securities when using either Life Insurance or Annuity products.  They are for planning that you can rely on to be there when you need it.   Not retiring when the market is down 50%+,,,,  as in  2008   It’s about the safety.  Not having to change your lifestyle because the market has crashed.

In arunning out of money die death survey by Allianz some interesting information was discovered.

The chart to the left was most revealing.  Maintaining your current lifestyle is important.  Running out of money for several reasons is not acceptable.  I have seen it to many times.  

We have determined 19 risks that anyone approaching retirement or already retired can face.  The 19 risk’s that can you can be faced with.  Some will happen.  Others may not.  Being prepared for them keeps you in control. 

Link to Allianz’s calculator to have information about the amount of funds needed for retirement.  Realistically, we work with you and with your current assets in order to plan for your retirement income.  


Are you ready ?

The following sections will cover part of the possibilities available with Life Insurance and Annuities plus other methods used.   You may have preconceived ideas about them.  Brokerage houses have been fighting them for a long time.  Unlike brokerage house’s, there are no continuous fee’s being paid when your portfolio goes down.  If there is a fee, it will be low or non existent.  The classic – Follow the money scenario.  Brokers still get paid a fee if you win or lose. they always win.

Making money      Annuities      401K IRA      Life Insurance      Social Security