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“Financial Security” means “knowing that you can” live in a life style comfortable to you for as long as you live. Your plan may also include loved ones. People don’t usually think about Financial Security because they think it is a myth, unattainable, boring, scary or complicated. It is none of these. Financial Security can be attained by following this simple plan. Saving money wisely
requires commitment. Use your 401K, 403B, IRA and personal savings to
produce guaranteed results, because you may live a long time. As
you grow older systematically reduce your exposure to risk in
the stock market and other risk bearing investments. |
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By the time you retire you should be able to live off of your retirement benefits and personal savings. Protect and grow your long-term retirement money in guaranteed fixed interest rate contracts. “Ladder” your interest rate guarantee periods so you can take advantage of future rate increases. Your advisor should always shop for the highest interest rates. Tax-Deferred guaranteed fixed interest rate contracts should also be considered because they offer additional advantages. |
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“Use your retirement
savings to produce
guaranteed results” |
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“Prepare
for the
unexpected” |
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You may need life insurance to provide income and/or pay off debts to protect your family. Don’t over spend on life insurance. A Life Insurance Policy is not a good instrument for saving or investing money. Buy the amount of death benefit needed for as long as needed. Make sure that you are making the best possible use of your policy cash values, if your policy has cash value. You and your family will benefit from a free professional independent life insurance evaluation. Your needs have probably changed and newer policies may cost much less and provide better guarantees.
Make an educated decision about long term care insurance. If you or your spouse incur long term care expenses... you will have to pay for them. These expenses can deplete your retirement savings and inheritable assets. After you are impoverished, the government may pay under Medicaid and the State will make decisions about your care. Long Term Care Insurance is a wise risk management choice. Insuring even a portion of this risk could be very helpful for you and your family. |
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| Financial advisors can be helpful but “You” are ultimately responsible for your financial security. Take control, have a plan, spend and save wisely, reduce debt and consult with experienced reputable financial professionals. Yes, You can achieve lifetime financial security and I would like to help you. Please contact me, David King, for free consultation. I look forward to being of service. Thank you. (518) 286-1212 |
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Save Money Wisely |
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Manage Financial Risk |
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Be Frugal |
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Once you retire and you are living off of your interest and or annuity income and other retirement benefits,
relax, enjoy, live a little. |
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