Broker Check

The "GOAL IS" Retirement Income

  • Do you have enough regular Guaranteed income from pensions and Social Security to cover all your monthly expenses?
  • Do you worry about Outliving your money?
  • Do you have to withdraw funds from your IRA Account or Taxable investments to meet your monthly expenses?
  • Do you know there are ways to receive a guaranteed income from your IRA to provide retirement income for the rest of your Life?
  • Do you know how Inflation affects the funds you have in the bank?
  • Do you lose all or a portion of your Spouse's pension if he or she passes away?

"SMART 65" Social Security

  • Have you ever had a Specialist analyze if you are getting paid the correct amount of Social Security?
  • Did you know Social Security makes unintentional Mistakes?
  • Did you know the best Age to start Social Security? Do you know your Full Retirement Age? How much does it cost you if you take early benefits? What are the benefit amounts if you delay?
  • Are you getting your full Required Spousal Benefits from your current or former spouse's retirement credits?
  • Do you know about Social Security's Timeline to run out of funds and the consequence of reducing your future retirement benefits?
  • Do you know how your Social Security Disability Insurance changes at age 65? What about depletion of its Trust funds projected by the Congressional Budget Office?

"IRS and SC" Tax Planning

  • Do you file an annual Income tax return?
  • Do you have a tax planner that Reviews tax savings options before the end of every year?
  • Do you know how your Social Security is taxed and how to reduce it?
  • Do you know how to Avoid paying tax on your Required Minimum Distributions?
  • Do you know how to take advantage of converting your IRA into a Roth IRA to Not be taxed on your life earnings?
  • Did you know that your first Required Minimum Distribution from your IRA/401k has been Delayed to April 1st of the year after you turn age 72 (2022), then 73 (2023), then 75 (2033)?
  • Did you know that when your heir(s) inherit your IRA, they need to withdraw more annually and pay more over a Shorter period? Are they in a higher tax bracket than you are?
  • Did you know that South Carolina has many attractive tax benefits available to retirees?

"REAL Worry Free" Retirement, Invested Asset Planning

  • Did/Do you have a Retirement plan at work? Was/Is it a 401(k) or 403(b) or the TSP? Did/Does it have a Roth component? Did you roll it over to an IRA?
  • Do you have to withdraw funds from your IRA or Investments to meet monthly Expenses?
  • Does your Advisor meet with you regularly to determine the appropriateness of your investments?
  • Could you afford to Lose 25% of your investments value in the next 30 days?
  • Do you WORRY about outliving your money?
  • Do you know how to get tax FREE benefits from a Roth IRA, Health Savings Account, 529 Plans, or certain municipal bonds?
  • Do you have to take Required Minimum Distributions from your IRA/401(k)?

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