Did you know that a majority of retirees are going to need some form of long-term care, whether at home, or in a facility? And the costs are going to range substantially, depending on the level of care. According to the 2018 Cost of Long-Term Care study by Genworth, homemaker services can cost up to $4,000 per month and a private room in a nursing home is $8,400 per month. Several years of these types of costs can make a huge dent in a retirement nest egg. Have you thought about where … [Read more...]

Have you ever had the experience of seeing all your 401(k) contributions go up in smoke during a bad market cycle? You look at your statement, and it seems like you've made no progress at all… Everything you contributed has been swallowed up by losses, and you feel as if your contributions aren't helping at all. Let me encourage you to look at what's happening in a different way so that you don't give up and throw in the towel. It's important to understand what is happening when you … [Read more...]

Did you know that a retiree's greatest fear is running out of money? It's a legitimate concern… We saved less and were living longer. The markets are more volatile and uncertain than they've ever been. Some of us are faced with providing for ourselves and for aging parents, and Social Security certainly isn't replacing the  paycheck we enjoyed while we were working. That's one of the greatest joys in my work… Seeing initial anxiety melt away after creating a realistic game plan that … [Read more...]

I’ve always believed the saying….”if it sounds too good to be true….it probably is.” I've also believed that there is no such thing as a perfect investment. I will have to say that I was somewhat surprised after vetting the investment found in the following introduction video, and even more surprised when I learned that the company has no complaints against it, and to date no investor has lost a dollar of their investment. If you have investments that you would like to re-allocate out … [Read more...]

Do you know about the sequence of return risk? If not, you need to watch our video below.  It will give you an idea to make your money last longer AND take less risk: Would you like an illustration of this concept with your own unique information?  If so, reply to this email with the subject line “Illustration” and I can provide you an example of how this works with your information. … [Read more...]