Reduce Your Financial Risk In Retirement
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Bill is the host of Safe Money Radio – Portland, Oregon. Saturdays 9:00 -10:00 am on Talk 1640 and Saturdays 1:00- 2:00 pm on KPAM News Talk 860. Mr. Carter has over 35 years in the insurance and financial industry. The last 20 years as President of his own company with over 200 employees and 14 locations in Oregon and has been an industry leader since the mid seventies. Bill semi retired after selling his company to a national corporation in 2009. He filled his time volunteering with various charitable organizations in Oregon until teaming with Aaron Burns to form Retirement Planning Solutions. Bill is a licensed life insurance professional in Oregon and Washington and is a member of the National Ethics Association. Bill has served on various company, charitable and civic boards during his career and completed “Leadership Lake Oswego” a one year community leadership program. He is also a graduate of Washington State University, has been married for over 35 years and has two adult married children and two grandchildren. Mr. Carter has been a resident of the Northwest his entire life.
What We Offer
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check. If an income plan is the most important thing in retirement, peace of mind might be the second.
Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservationof your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one! We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account. Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the unsurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis. Contact our office today to schedule a one-on-one estate planning consultation.
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!