Seminar: Medicare 101 Seminar- Answer Your Questions
Guide Video: Seminar: Medicare 101 Seminar- Answer Your Questions
Navigating the Medicare process on your own can be confusing and frustrating. But there is a less stressful way to be sure you’re getting the Medicare coverage you deserve.
We would like to invite you to a free, informative “Medicare 101” seminar where you’ll learn the basics of Medicare and get all your questions answered. Get guidance from one of our licensed insurance agents – in easy-to-understand language – that will take the guesswork out of the entire Medicare enrollment process.
Some of the topics we’ll cover are: What Medicare Parts A and B Cover… and what they don’t. Medicare Advantage vs Medicare Supplement Plans. Medicare Costs: Premiums, Deductibles and Copays. What You Need to Know to Avoid Paying Medicare Penalties. Part D Prescription Drug Coverage and How It Works.
These seminars are an easy and convenient way to get all the step-by-step information you need to feel confident about your Medicare coverage decisions. But space is limited, so call us today to reserve your spot at our next educational, no obligation “Medicare 101” seminar.
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How Life Insurance Can Generate Retirement Income
Guide Video: How Life Insurance Can Generate Retirement Income
Many people don’t know that a whole life insurance policy can be a source of income for retirement. With a whole life policy, your premiums don’t change, and coverage lasts for the rest of your life. Whole life policies also accrue “cash value” over time, because a small percentage of the premium that you pay for insurance costs goes into a savings account that earns interest. The rate of return varies from company to company, and the cash value of the policy can be withdrawn as an additional source of retirement income. If the amount withdrawn doesn’t exceed the amount you’ve paid in premiums, that money will be tax-free. Of course, withdrawing these funds will reduce the death benefit to your beneficiaries, and withdrawing any dividends earned could be taxed as income. Before deciding whether a whole life policy is right for you, you should understand all your options by speaking with a financial professional. To learn more about smart retirement savings strategies, give us a call, or visit our website today.
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Life Insurance – What Type to Buy? A Video Tip
Life Insurance – What Type to Buy? A Video Tip
A life insurance policy protects your loved ones against the loss of your income after your death and helps to preserve their standard of living. You’ll name a beneficiary to receive the proceeds, and in exchange, you’ll pay premiums as outlined in the policy terms.
Once you’ve determined how much you need, factoring in future expenses and current debts, you need to decide on one of the four types of life insurance: term, whole, universal or variable.
Term life insurance covers you for a specific period of time, like one, two, ten or twenty years. The death benefit is paid only if you die within the policy term. Premiums generally start out lower, depending on your age, which allows you to buy more coverage.
Whole life or permanent insurance covers you as long as you pay your premiums. The policy accrues a cash value that you can collect if you terminate the policy. It pays a fixed amount on death, and premiums are usually higher than for term insurance. Universal life insurance is also permanent, but this option offers greater flexibility than whole or term. You can increase or decrease the cash value and death benefit if your needs change, with a related rise or drop in premiums.
Variable life insurance is another type of permanent life insurance, but with an investment component. The cash value is invested in sub-accounts similar to mutual funds. Variable life is considered a security because of its investment risk.
If you’d like to learn more about the pros and cons of different insurance policies, call us or visit our website today.
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Video for TikTok, Instagram: Variable Annuities
Video Tutorial: Variable Annuities
Do you want the consistent income of an annuity, but you’d like the option to decide how your funds are invested? You should consider a variable annuity. With a variable annuity, your funds are allocated to an investment portfolio. But you get to choose – from several options – as to how those funds are invested. Those options can include stocks, bonds, money market funds, stable income value mutual funds, and other investments. There is even a fixed rate option… within a variable rate annuity.
With a variable rate annuity, your return will rise or fall, depending on the performance of your portfolio. For this reason, variable rate annuities offer the highest return potential of any annuity… but also expose you to the highest market risk. If you want more control over how your money is invested – and are comfortable with greater investment risk to achieve potentially higher returns – you may want to consider a variable annuity. To find out more about variable annuities, call us today.
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Instagram Reels on Reverse Mortgages
TVS 132 – Reverse Mortgages and Long-Term Care
The rising cost of health care is a major concern for many seniors. That’s because out-of-pocket costs of healthcare for a couple in retirement are expected to keep increasing for the foreseeable future. And if a senior needs to hire in-home medical assistance to age in place more comfortably, that figure could increase dramatically. Buying expensive long term care insurance or spending down retirement assets are options… but could expose seniors to financial risk.
But what is there was a way to cover health care costs using home equity? With a reverse mortgage, senior homeowners can unlock the equity in their home and use that additional cash flow in any way they choose. They can use the funds to purchase a long-term care policy or even fund a funeral trust. And if just one spouse needs home care, and the other wants to remain at home, the reverse mortgage can pay for that person’s care… without depleting their investment portfolio.
A reverse mortgage is a unique way to combat the high cost of health care. To find out more about this reverse mortgage strategy, call us today.
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Video Marketing: Do You Have to Take Your Required Minimum Distribution?
Video: Do You Have to Take Your Required Minimum Distribution?
You might be thinking, “Since I don’t need the required minimum distribution from my retirement accounts in order to live on, can’t I just leave it in my retirement account?” If you do not withdraw the required minimum distribution when you reach retirement age (currently 73), the IRS will impose a penalty of 25%. The penalty can be reduced to 10% if you pay the missed RMD within two years. Further, after imposing the penalty, you are still required to make the withdrawal. You must make the withdrawals so that you can pay taxes to the government. The remainder of the withdrawal after taxes can be invested with the goal of building wealth outside your IRA. Let’s discuss strategies to help you invest money both inside and outside of your IRA. Give us a call today.
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Fixed Indexed Annuities – Video for Social Media
Video Tutorial: Fixed Indexed Annuities
These days it’s tough to decide to stay invested in the stock market, while you hope for gains… but fear a market loss. A Fixed Indexed Annuity can offer you protection against stock market losses, while offering you the potential to participate in some of the market’s gains. Indexed annuities may offer a minimum guaranteed interest rate, combined with earnings tied to a stock market index, such as the S&P 500 or the Dow Jones Industrial Average. So, instead of counting on the performance of a single stock, you can select a single index for your funds or spread your dollars across several indexes. Some things to consider before purchasing a Fixed Indexed Annuity are caps which limit the upside gains on the contract and participation rate, which is the amount of the index’s gain you’re able to participate in. These can limit the annuity’s potential growth. Most importantly, while you’re free to participate in market gains, you will never lose a dime due to market loss. Fixed Indexed Annuities can be a great way to diversify your portfolio, mitigate risk. To find out more about Fixed Indexed Annuities, call us today.
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Video Tutorial – Real Estate Investment Trusts (REITS)
Video Tutorial – Real Estate Investment Trusts (REITS)
Do you know that there is a way to invest in real estate without owning a physical property? Real Estate Investment Trusts or REITS are companies that own, operate, or finance income-producing real estate projects. These companies pool money from many investors to purchase office buildings, apartment complexes, or shopping centers.
Investors can buy shares in REITs, like investing in stocks, and the shares are traded on major stock exchanges. This gives investors the opportunity to diversify their portfolios by investing in real estate without the complexities of directly owning a physical property. Many REITs can also provide passive income to investors in the form of dividends, distributions of a large portion of their income that they are required to make to shareholders. And unlike directly owning a physical property, REIT shares are relatively liquid, so they can be bought and sold more easily on the exchanges.
But there are certain unique qualities of REITs you should be aware of before you invest. Dividends from REITs are taxed as ordinary income, not at the more favorable qualified dividend rates, so that could affect your tax strategy. Because REITs are required to distribute a large portion of their income, that can limit their ability to reinvest in their properties or expand their portfolios. This can potentially limit their long-term growth. And while REITs can offer unique benefits to a portfolio, their performance can vary and underperform other investments at times.
Make sure you have all the facts before you decide to invest in REITs. If you’d like to learn more about REITs, call us today.
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The Effects of Inflation on Retirement – Tutorial
The Effects of Inflation on Retirement
You’ve probably seen the headlines about inflation and how it is increasing the price we pay for everyday items like gasoline, food, and healthcare. But have you considered the impact inflation is having on your retirement savings? Social Security uses inflation as a benchmark to determine the cost-of-living adjustments it makes to monthly payouts, so beneficiaries can keep pace with inflation. This protects you from the negative effects of inflation over time. But the other elements of your retirement savings plan, such as 401K’s and most non-government pension plans, are not adjusted for inflation. That means the actual purchasing power of your retirement savings is being eroded over time… and you’ll need more money to accomplish your original goals.
Your financial advisor can help you adjust your retirement plan to take the effects of inflation into account and suggest some ways to preserve capital going forward. They can show you how a change in tactics can help keep your retirement plans on track. To find out more about how inflation may affect your retirement, call us today.
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Cash Flow and Reverse Mortgages – Videos for your Clients
Videos for your clients – Cash Flow and Reverse Mortgages
Having enough cash to last to – and through – retirement is one of the major challenges facing today’s seniors. A reverse mortgage is a safe way to help senior homeowners improve their cash flow while allowing them to better “age in place” in their own home. With a reverse mortgage, seniors can tap into the equity in their home in a variety of ways that best suit their individual circumstances and needs.
For example, they could take a lump sum payout at closing to spend it in any way they choose. They could also choose to receive a liquid, growing line of credit that allows any unused balance to grow at the same compounding rate as the loan balance, and the amount of the credit line increases when any payments are made. These tax-free funds in the line of credit can grow substantially over time, and the homeowners will only accrue charges on whatever funds they have borrowed. Also, this line of credit cannot be capped, reduced, or eliminated because of market conditions or declines in property value.
To find out more about how a reverse mortgage can improve your cash flow in retirement, call us today.
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Financial Advisors,
On this Exclusive Live Webcast
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JILL ADDISON
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Retired World Traveler (24 countries).
Philanthropist.
Future Real Estate Queen.
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JAMES STEWART, CFP®
Co-Creator, Turnkey Video System
Certified Financial Planner ® (30+ years)
Internet Marketing Expert.
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