Everyone wants a comfortable retirement. Whether you’re approaching retirement or are in the midst of your career, you may have questions about which type of retirement vehicle is best for you.

We provide one service to our clients - helping them achieve their financial goals through Safe Money Strategies.

Perhaps you would like to...

• Protect your funds from market volatility
• Grow your nest egg
• Create a guaranteed lifetime income stream
• Invest your inheritance or funds from the sale of real estate
• Take advantage of tax deferral and compound interest
• Tax-advantaged Legacy Planning

People are living longer these days and outliving their finances is a real concern. For many, the answer has been to set up a Lifetime Income Plan designed to provide safe investment strategies for you and your family for the rest of your life.

An important question to consider as part of your financial planning is how you would like to position your 401k, 403b, IRA, SEP IRA, or Roth IRA funds… in the unpredictability of the stock market or in a Safe Money Plan?

Traditional 401k and IRA plans let you contribute pre-tax money to an account without paying income tax on the earnings until you withdraw the funds.

A Roth IRA is another type of retirement vehicle with a different tax treatment. Your contributions aren’t tax deductible - they are taxed as regular income. However, when you retire and take a distribution from your Roth IRA, that money, including interest earned, is not taxed as income. You’ve already paid income tax on the contributions in the year in which you contributed them to your account.

Safe Money Strategies can be utilized in all types of IRAs.

To attain and manage these goals, we may suggest one or more of the following:

• Fixed Indexed Annuities
• Rollovers from the Stock Market to Safe Money Plans
• Lifetime Income Plans
• Growth Plans
• Legacy Planning
• Indexed Universal Life Insurance (IUL)
• Tax-Free Lifetime Income
• Life Insurance

Benefits of FIAs compared to other plans

A Fixed Indexed Annuity is the highest-returning Safe Money vehicle. This is the reason why so many have switched from market accounts to FIA plans.

You may wish to grow your retirement savings primarily to benefit your beneficiaries. Many plans, such as Legacy Planning, are specifically designed to pass assets on to one’s beneficiaries.

Perhaps you are far from retirement but want a percentage of your portfolio growing safely.

These are the types of concerns that we address at Lifetime Strategies.

“Doug truly cares because he looks out for you. In short, he takes care of his clients.”

Dana I., Sunnyvale, CA