Avoid Running Out Of Money In Retirement


  • The truth about how long most people's retirement lasts

  • The "big 3" changes that most portfolios don't account for

  • Simple changes to maximize returns you can make today


Year-end Considerations

The year is coming to an end… make sure you have your year end planning done soon so that your investments & portfolio can be ready to roll in 2012.

Things to consider:

  1. Roth Conversions- get your IRA into a Roth for tax-free growth!
  2. Required Minimum Distribution (RMD’s) – Many of you need to take a distribution from your IRA, this needs to be done by year’s end.
  3. With a Roth IRA, you won’t have to take money out every year, it grows tax-free.

Nationally, the rate on a 5 year CD is about 1.50%- not very good at all. With taxes and inflation, you are now losing money to put your money in a CD. There is an alternative – give me a call and get a CD that can potentially earn much more!

Make sure to tell all your friends about this – they may be struggling with CD’s as well, and I can help.

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