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A guaranteed investment strategy for retirement planningRetirees are more interested nowadays in guarantees than in high returns. If you’re like most, you would rather take an insurance product that promises a 4% return that is guaranteed not to lose value than a product that promises 8% return but is subject to market volatility. This is the new normal mindset. What made boomers switch from return-chasing behaviors to nest egg guarding? The biggest factors include the sluggish economy and a growing tendency toward delaying retirement to a later age.

Just in the last few years, we’ve seen the average retirement age go from 63 to 66. The sad part of this is that, even though a lot of people are working longer, many people still won’t be able to maintain their income level when they finally do retire. A lot of this has to do with losses from that happened in the first half of the great recession. Folks, even though it’s hard to grow your retirement assets while keeping them safe, it’s not impossible. The first step is in choosing financial vehicles that allow you to draw retirement income with minimal or no income taxes.

Income taxes during retirement can really suck the life out of your retirement plan. Make sure you are minimizing your risk of suffering losses by keeping most of your assets out of the stock market and also make sure that you make use of tax-free retirement vehicles whenever possible. The best example of tax-free retirement income is the Roth IRA.

Your Safe Money KitKeep your retirement money safe by consulting with an experienced financial professional. Don’t forget to download your FREE safe money kit and let us help determine the best way to plan for a comfortable retirement.