Explainer Videos for Financial Services

Video Transcript

Michael D. Thomas Agency

989-714-5606

www.mdtagency.com

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 managing inflation during your retirement?

To learn more, give us a call today, or visit our website.

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White Board Video for Financial Services

Video Transcript

David Krasnoff – https://www.crpvenice.com/

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 Videos

Video Transcript

John Rossitto – IHT Wealth Management

http://www.ihtwealthmanagement.com – (619) 461-1199

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.

To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.
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Financial Advisor Marketing

Video Transcript

John Rossitto – IHT Wealth Management

http://www.ihtwealthmanagement.com –  (619) 461-1199

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.
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Financial Advisor Videos

Video Transcript

Arete Advisors

832-910-8437

www.arete-advisors.net

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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Financial Advisor Video Marketing

Video Transcript

http://www.wealthabundance.com (920) 202-3765

Should You Invest in Stocks or Bonds?

Stocks and bonds are two of the most common investment asset categories. When you invest in more than one category, you reduce your overall investment risk, so many people add a mix of both stocks and bonds to diversify their portfolio. The right mix depends largely on your financial goals, because these two asset classes play different roles.

Stocks are a form of ownership – a company sells shares to raise money. When you purchase a share of stock, you’re purchasing an ownership stake in the company. Bonds represent debt – a government or company issues a bond, or an I.O.U., to raise money with the promise to pay back your original investment, along with regular interest payments.

The volatility of stocks makes them riskier than bonds, but they also offer the greatest potential for growth, especially in the long term. Bonds may offer more modest returns, but are typically less volatile than stocks and are also advantageous for their income from the interest payments. For more information on the right investment mix for your financial goals, please give us a call or visit our website today.

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Financial Planner Marketing

Video Transcript

www.charlescarrollusa.com

(855) 585-3600

If you’re changing jobs or retiring, it’s important to know the rules regarding moving funds from your employer sponsored retirement plan. The wrong move could cost you in income taxes and early withdrawal penalties. There are two basic ways to move retirement plan assets from one retirement plan into another with no tax consequence. With a direct rollover your financial institution or plan directly transfers the payment to another plan or IRA; no taxes are withheld and your account continues to grow tax-deferred. With an indirect rollover, a check is made payable to you. You have 60 days to deposit it into a Rollover IRA – but indirect rollovers are subject to 20% withholding. For example, if you had $10,000 eligible to rollover, your employer would withhold $2000 and you’d get a check for $8,000. You’ll get the $2000 that was withheld back when you file a tax return, either as a refund or a credit toward any tax owed. However, in 60 days you still have to deposit the entire $10,000 in a rollover account – the $8,000 from your employer plus $2000 from your own resources. Any amount you don’t rollover is considered income, and subject to taxes when you file your return. You could also face a 10% early withdrawal penalty, depending on your age.

To learn more about how to avoid complications with a retirement plan rollover, give us a call today.

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Financial Advisor Video Marketing

Video Transcript

http://www.bayriversgroup.com

(757) 259-2450

Most Americans who turn 65 are eligible for Medicare, a federal program that covers many health expenses for seniors. But the program is complicated. Here are 5 important facts you need to know:

First – Medicare is not free. Of the 4 parts, Part A – Hospital Insurance – is the only one that normally has no premium. Parts B, C and D have premiums that vary. (Illustration: Image or chart of: Part A – Hospital Insurance (hospital care; physical therapy) Part B – Medical Insurance (doctors, lab tests, wheelchairs) – Part C – Medicare Advantage Plan (like an HMO or PPO) Part D – Drug Coverage (Prescription bottle).

Second – Enrollment is not automatic – you have to sign up for Medicare benefits. The exception is for those already receiving Social Security benefits. If you’re already receiving Social Security benefits, you will automatically receive Medicare Parts A and B.

Third – Late enrollment can mean expensive, and permanent, premium penalties. You have 7 months, starting 3 months before your 65th birthday month, to sign up penalty-free.

Fourth – Medicare covers a lot, but not everything. Services like long-term care, dental and vision care are not covered. People often purchase additional private coverage for these types of services.

And fifth, if you’re rich you’ll pay more. High-income seniors pay surcharges on premiums for both Parts B and D. Let us help you with your important Medicare decisions – give us a call or visit or website today!

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Whiteboard Videos for Financial Advisors

Video Transcript

David Krasnoff – https://www.crpvenice.com/

What are the required minimum distributions and how are they determined?

Beginning at age 70.5, you must begin to withdraw money from your retirement accounts every year. The amount is determined based on your life expectancy as contained in the IRS tables.

Required minimum distributions are computed by dividing the account balance at year-end by the life expectancy factor. Assuming a husband and wife are about the same age, then this factor at age 70 is 27.4 years. Alternatively, you can multiply your account balance by 3.649%, which is 100 divided by 27.4.

The first required minimum distribution must be withdrawn by April 1st of the year following the year that you turned 70 and a half. Subsequently required minimum distributions must be withdrawn by December 31st each year. Every year, your required minimum distribution will increase over your lifetime. If you want an estimate of your required minimum distributions each year, let us do the math for you and help you develop a winning strategy.

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Whiteboard Animated Videos for Financial Advisors

Video Transcript

David Krasnoff – https://www.crpvenice.com/

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.

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

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