Freeman's Blog


March 26th, 2015 by

Social Security Benefits

What happens if we run out of money? What about inflation?

Inflation has been around 2.85% over the last 30 years. And, those inflation numbers decrease your buying potential.
Unexpected events derail your plan for retirement. The recession took a toll of people saving for retirement.
When we do a retirement strategy plan to couples, we put a lot of emphasis on having a retirement emergency fund. It saves you from having to dip into your retirement nest egg dollars. The same economic issue you experience when you’re working will happen when you’re retired. So, you must have a liquid account for emergencies.

What about the insecurity of social security in retirement?

Social security trust fund is going to be funded until 2033. It may continue to be funded by payroll taxes, but it will only cover about 72% of current social security costs evaluated today. So, you’ll have to make compensations based on a decreased income after 2033. Therefore, you cannot depend on social security or defined pension plans.

But I have some strategies for Social Security Benefits that will maximize the dollars you take home. Learn more about Social Security Benefits on my YouTube Channel.


March 3rd, 2015 by

In order to provide for yourself and your family, as well as protect the way you live, many people want to provide for one or more of these personal financial security needs. So, ask yourself these questions to get a better idea of YOUR financial security needs:

Protecting Your Family’s Future: How will your family replace your earning power in the event you die prematurely?
Preparing for Your Retirement:What will happen to your standard of living when your earning power ceases at retirement?
Providing for Your Child’s Education: How much of your earning power will be available to help pay for your child’s education?
Preparing for Disability:If you are sick or hurt and unable to work, how will you replace your earning power?
Making Your Home Debt-Free: How much of your earning power will be spent on unnecessary mortgage interest?
Planning Your Estate: Have you made plans to have funds available to pay estate settlement costs at your death?

Which of these needs would be your top priority?

When you start strategizing to focus on your top priorities, there’s a sense of peace that comes from knowing you’re prepared. But, it isn’t always easy to start and you may need someone to help you stay on track.

I want to help you live your golden years stress-free. For that, we need to start planning early. So, let me help you navigate the top priorities for your financial security.
Let’s get started today!
Contact my office at 1-833-313-7233 | MD, VA & DC.
Freeman Owen, Jr - Host of SAFE MONEY TALK on CBS The Big Talker 1580AM