Tag Archives: Longevity risk

Will You Run Out of Money In Retirement?

Will You Run Out of Money In Retirement?

Many people run out of money 7 to 10 years into retirement.  With increasing life expectancy your money might have to last 30+ years in retirement if you retire in your 60s almost as long as your working years.

Want to make sure it doesn’t happen to you?  Watch the Retirement-Toolbox video to find steps you can take now.

https://www.youtube.com/watch?v=lPKYgPuDQnA

Tax-Free Pension Alternative 

There is a little known IRS approved strategy that the wealthiest top 10% of American Families, including the top 1% have been using for more than 20 years to cut taxes and preserve capital.

The Strategy works. The Tax-Free IUL can produce a Tax-Free Income You Won’t Outlive! The strategy has also been known to double, even triple after tax income compared to a 401(k) or 403(b) retirement plan. It has been called the Tax-Free Pension Alternative.

Tax-Free Income for Life

If you can double even triple your after-tax income, your money will last longer.  Going with a tax-free retirement plan also insulates you from future tax hikes.  A Zero taxed tax-free plan is better than a heavily taxed qualified plan, such as an IRA, 401(k) or 403(b) retirement plan.

The Tax-Free IUL has no down side risk.  You don’t lose money when the markets go down. Annual gains are locked in, so you never give back interest previously earned.  You share in market upside, up to an annual cap rate.  Current caps are 13% to 16% depending on the index you choose.

Your withdrawals are tax-free penalty free at any age for any reason.  Withdrawals from your qualified plans are heavily taxed and subject to early withdrawal penalties of 10% if you are under age 59 1/2.

You can request a free retirement plan comparison.

Free retirement plan comparison
Free retirement plan comparison

 

Do You Understand Longevity Risk?

Do You Understand Longevity Risk?

Longevity risk is the risk of outliving your income.  Watch the Retirement-Toolbox video below.

If you retire in your 60s or 70s, your money might have to last you 30+ years.  Many people run out of retirement income in 7 to 10 years.

  • Withdraw too much money in the early years of retirement
  • Heavy taxation of retirement plans were not considered
  • Risky investments caused big stock market losses.
  • Did not save enough
Longevity Risk.  Will you be strapped for cash in your retirement years?  You can do something about this if you act now.
Longevity Risk. Will you be strapped for cash in your retirement years? You can do something about this if you act now.

Our 3 Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income you can count on, paying more than BankCDs, Money Markets & Treasuries, without the downside risk & yo-yo volatility of stocks, bonds, mutual funds or commodities.

These Strategies work.  During the Financial market melt down of 2008 & 2009, when many people saw their IRAs, 401(k)s & other retirement savings cut in half, none of our clients lost money using these strategies.

Their money was safe & secure, their income steady & reliable.

https://www.youtube.com/watch?v=lFk7n8IRCFQ