How To Double Your Money

 

People often ask us, “How long will it take to double my money?” You can find the answer with the rule of 72. Here’s how it works. Compounding interest is the interest you earn on a growing amount of money. To find out how long it will take your money to double, take the number 72 and divide it by the interest rate earned. This will give you the number of years it will take to double your money. For instance, If you can earn 6% it will take 12 years to double. This is because 72 divided by 6 equals 12. If you want your money to double in 9 years you would have to earn 8%, Because 72 divided by 9 equals 8. This rule gives you a good rule of thumb to find out what interest rate you need to double your money in the time you want, and it’s easy to calculate. How fast do you want to double your money? Give us a call and we’ll help you get there.

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Financial Advisor Marketing

Too many retirees believe that they don’t have to do any planning in retirement. They spent years saving for their retirement and now they think they can coast. WRONG! There are hidden tax traps waiting for the unsuspecting. For instance, If you want $75,000 per year in retirement, is that before or after taxes? If it’s after taxes, that could mean withdrawing $90,000 per year before tax. Will your portfolio last for 35 years if you withdraw $90,000 each year adjusted for inflation? After 15 years, to keep your purchasing power of $90,000 at 3% inflation you would need to withdraw $140,217! To find out more about planning during your retirement years, give us a call or visit our website today.

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Financial Advisor Videos

A fixed indexed annuity is a contract between you and an insurance company that may help you reach your long-term financial goals. In exchange for your premium payment, the insurance company provides you with income, either starting immediately or at some time in the future. Most fixed index annuities have two phases. First, there’s an accumulation phase, during which you let your money earn interest. This is followed by a distribution or payout phase, during which you receive money from your annuity. Your annuity can earn a fixed rate of interest that is guaranteed by the insurance company or an interest rate based on the growth of an external index. With a fixed index annuity, you defer paying taxes on your contract’s interest until you receive money from the contract. This tax deferred growth in your asset can really add up. These annuities provide for additional growth in value by sharing in stock market growth, often without market risk. Fixed index annuities vary in their benefits depending on the company offering them. To understand which fixed index annuity may be right for you, give us a call today. For an explanation of Indexed Annuities visit https://www.finra.org/investors/protectyourself/investoralerts/annuitiesandinsurance/p010614

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Whiteboard Animated Videos for Financial Advisors

Video Transcript:

The medical profession refers to high blood pressure as the silent killer. In investing, the silent killer is INFLATION. The minimum return on any retirement investment must be at least equal to inflation. Here’s why. Suppose your retirement goal is to withdraw $90,000 per year from your IRA. To maintain your purchasing power you must adjust your withdrawal amount for the inflation factor. That means that to get $90,000 per year at an inflation rate of 3%, your withdrawal amount in year 15 would be $140,217. Are you on track to manage inflation during your retirement? To learn more, give us a call today, or visit our website.

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Financial Advisor Videos

What are annuities and how do they work? Annuities are both a savings and an income investment that pays out over a period of time. It’s actually a steam of income you can’t outlive. An annuity is a flexible insurance contract that allows retirement savings to grow income tax deferred and then payout to you in a lump sum, income for life, or income for a certain period of time. There are two basic types: Fixed and Variable. The Fixed Annuity earns a set yield and payout set by the contract. The Variable Annuity is invested in stocks and bonds. The growth value and potential income stream will depend on the investment returns and losses could occur. In both annuities the growth is income tax deferred and the contract terms control growth and income. In today’s market there has been a blending in the qualities of these two kinds of annuities to generate the best return for investors yet maintain the guarantees needed in retirement. There are a lot of choices and your personal situation needs to be considered. We can help you develop a plan to meet your specific needs towards a comfortable retirement, so please give us a call today. For an explanation of Variable Annuities visit http://www.sec.gov/investor/pubs/varannty.htm.

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Whiteboard Videos for Financial Advisors

As life expectancy has grown, your retirement now can last between 20 and 30 years. So Social Security planning is critical, no matter how much money you have. It can make a difference of hundreds of thousands of dollars. For example, if you retire at age 62 and pass away at age 86, you’ll receive at least 25% less for 24 years. But, if you wait to retire at age 70, you’ll receive 32% more for 16 years. If your retirement income at age 66 was $2,000 per month, this could be a difference of over $200,000 during your lifetime. Arriving at a decision on when to retire is not easy. If you retire early, it could affect your spouse’s benefits. And wages and other taxable income could cause up to 85% of your Social Security benefits to be exposed to income taxes. Proper planning takes all of these factors into account to determine a Social Security strategy. For instance, a repositioning of assets could reduce taxable income and provide for more reliable monthly income. With over 500 different combinations of factors affecting benefits, it makes sense to talk to a financial advisor and get it right.

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Financial Advisor Video Marketing

**Transcript**
Too many retirees believe that they don’t have to do any planning in retirement. They spent years saving for their retirement and now they think they can coast. WRONG! There are hidden tax traps waiting for the unsuspecting. For instance, If you want $75,000 per year in retirement, is that before or after taxes? If it’s after taxes, that could mean withdrawing $90,000 per year before tax. Will your portfolio last for 35 years if you withdraw $90,000 each year adjusted for inflation? After 15 years, to keep your purchasing power of $90,000 at 3% inflation you would need to withdraw $140,217! To find out more about planning during your retirement years, give us a call or visit our website today.

*******To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.
http://www.FAClientMachine.com

Is a Tax-Free Retirement Possible?

Video Transcript

A question we’re commonly asked is, “Is it possible to drastically reduce taxes in retirement, or even eliminate them?It’s possible, but you must start planning before you retire.

Many people don’t realize that Traditional IRAs and 401(K)s are fully taxed upon withdrawal, so the key is to diversify your retirement income. You can do that by saving and investing in tax-advantaged and non-taxable accounts, such as a Roth IRA, while you’re still working.

Once you’re retired, it’s all about monitoring your adjusted gross income to control your tax bracket. You can limit the amount of taxable income you need to withdraw by pulling income from your tax-free accounts.

Also, by withdrawing from non-taxable accounts, instead of selling investments that trigger taxable income, you reduce the amount of your Social Security benefits subject to income tax.

To find out how you can reduce your taxes in your retirement years, call us, or visit our website today.

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Protect Your Portfolio With Diversification

Video Transcript

Just like the old warning against putting all of your eggs in one basket, if you put all your money in one company stock and it dropped like a rock, you’d lose everything. Diversification can help protect your portfolio from that scenario.

Diversification is the practice of spreading your money among different investments to reduce your risk of losses.
A portfolio should be diversified at two levels; both between asset categories, such as stocks, bonds and cash; and within those asset categories.

Ideally, if one investment is losing money, another will be making gains.

To diversity between asset categories with stocks holdings, for example, you’d invest in a wide variety of industry sectors, such as energy, technology, financials, health care and utilities.

Then you would diversify again, within those sectors. There are many ways to diversify within sectors: invest by company, such as Google or Apple in the tech sector; by geographical market, like domestic or international or by company size, large-cap, mid-cap or small-cap.

Many people choose to diversify their portfolios with mutual funds or Exchange Traded Funds. These funds hold shares in a variety of companies, making it easier for investors to own a small portion of many investments.

For more information on how to achieve a diversified portfolio, give us a call or stop by our website today!

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Financial Advisor Marketing

*Video Transcript*
Life insurance has two values: a death benefit and a cash value. If you no longer need or can afford a policy it may be sold to a third party. It may be worth more than the cash value but less than the death benefit. As the policy owner you can change beneficiaries, use it as collateral, or sell it to another party. The third party becomes the new owner and beneficiary of the policy, pays the premiums, and receives the full death benefit when the original insured dies. The new owner is betting that the policy will pay more than what it cost them to take over ownership. Life Settlement providers must be licensed in the state where the policy owner resides.41 states have regulations in place regarding the sale of life insurance policies to third parties. Somewhat like real estate, a broker is used to solicit offers for a sale. Be sure to Seek the advice of a financial professional to assist in determining values and terms. Give us a call today to determine if a Life Settlement is in your best interest.

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JILL ADDISON
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Co-Creator, Turnkey Video System

Digital Marketing Expert.
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JAMES STEWART, CFP®
Co-Creator, Turnkey Video System

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