How much of your retirement accumulation do you still have left? Did you lose a large part of your retirement monies in the past few years due to the poor economy? Several people I know have lost as much as 50% of their retirement money through their choices in the "stock market". Others have recovered some of their money... even brought it back up to nearly what it was 10 years ago...
Which would you rather have?
A fund that guarantees the premium you put into it will never be lost due to a bad turn in the economy?
Or
Risk that what you have in your retirement fund will be totally lost?
While you can make BIG money in the stock market... (IF you get lucky and pick just the right stock)... you also have to be willing to LOSE it all if the market crashes or just your investments crash!
How much can you AFFORD to lose?
"Risk Tolerance" is your willingness to accept the possibility that what you have saved could be completely lost! Does that mean NEVER invest in the market? No... but ONLY invest what you can feel comfortable LOSING. The BEST way to secure your future is to blend your retirement monies...
Invest some in "riskier investments" if you feel comfortable with that... but make CERTAIN you also place a portion of your retirement into "secure investments" or "secure growth vehicles". Many advisers suggest that we place a percentage of our retirement into "secure growth vehicles" roughly equal to our age. (If we are 60 years old, they are recommending we have at least 60% in "secure growth vehicles" and allow UP TO 40% in riskier investments if we are willing to risk that amount.) The reasoning is, it takes a long time to make up for a loss. We NEED that income in our retirement years... not empty coffers.
Ask me today how I can give you guaranteed income in your retirement years that you can NOT outlive!
# Rollovers from an employer you no longer work for
# Inheritance from family or friend
# Money you have saved up that isn't producing what you think it should...
All these are all good sources of potential "rollovers" to kick-start your Fixed-Annuity or Fixed-Indexed Annuity! You can ALSO start your annuity with smaller amounts of money.
Call or email today to discuss some options that may make a BIG difference in your retirement years and allow you to sleep easier at night. I help you sleep easier at night!
Which would you rather have?
A fund that guarantees the premium you put into it will never be lost due to a bad turn in the economy?
Or
Risk that what you have in your retirement fund will be totally lost?
While you can make BIG money in the stock market... (IF you get lucky and pick just the right stock)... you also have to be willing to LOSE it all if the market crashes or just your investments crash!
How much can you AFFORD to lose?
"Risk Tolerance" is your willingness to accept the possibility that what you have saved could be completely lost! Does that mean NEVER invest in the market? No... but ONLY invest what you can feel comfortable LOSING. The BEST way to secure your future is to blend your retirement monies...
Invest some in "riskier investments" if you feel comfortable with that... but make CERTAIN you also place a portion of your retirement into "secure investments" or "secure growth vehicles". Many advisers suggest that we place a percentage of our retirement into "secure growth vehicles" roughly equal to our age. (If we are 60 years old, they are recommending we have at least 60% in "secure growth vehicles" and allow UP TO 40% in riskier investments if we are willing to risk that amount.) The reasoning is, it takes a long time to make up for a loss. We NEED that income in our retirement years... not empty coffers.
Ask me today how I can give you guaranteed income in your retirement years that you can NOT outlive!
# Rollovers from an employer you no longer work for
# Inheritance from family or friend
# Money you have saved up that isn't producing what you think it should...
All these are all good sources of potential "rollovers" to kick-start your Fixed-Annuity or Fixed-Indexed Annuity! You can ALSO start your annuity with smaller amounts of money.
Call or email today to discuss some options that may make a BIG difference in your retirement years and allow you to sleep easier at night. I help you sleep easier at night!
Medicare Supplemental
Insurance Options
I offer several companies who do a great job of filling in all the "Gaps" in your Medicare Parts "A" and "B". You can have all your Dr. visits, Hospital visits, surgeries, Specialists, etc. covered through the right policies. If you are more cost conscious, you can choose to cover less and save more premium.
What are the biggest differences between Medicare Supplemental policies and a Medicare Advantage Policy?...
>Medicare Supplemental policies can be used with any caregiver who accepts Medicare... No Networks to worry about. Most Advantage policies require that you use THEIR network in order to keep your costs low.
>Medicare Supplement policies do not restrict your geographic service area (such as state-lines or other geographic boundaries) to worry about in order to receive care.
>Many Medicare Advantage Programs require that you pay co-pays, until you have spent a maximum out of pocket of from about $3,000 to as much as $10,000. After you meet the Maximum out of pocket, their plan will pay the rest.
>Medicare Supplement plans can be set up with NO plan deductibles or co-pays. (* With one exception, a mandated deductible by the Federal Government of $226/ year for Part B coverage)
>Most Medicare Supplemental plans offer options to "Add deductibles" in exchange for reduced premiums, but if you use their "standard programs" there are few if any deductibles. You could end up with ALL your Medicare bills paid!
>Medicare Supplemental plans often start at about $133 +/- per month (Female age 65) with everything covered except part D (Total cost per year = Approximately $1,600/year.)
>Medicare requires that you pay $1,600 upon admittance to a hospital ... EACH admittance, no matter how many times you need to go to the hospital. Supplemental plans can pay this if you chose that part of the coverage.
What are the biggest differences between Medicare Supplemental policies and a Medicare Advantage Policy?...
>Medicare Supplemental policies can be used with any caregiver who accepts Medicare... No Networks to worry about. Most Advantage policies require that you use THEIR network in order to keep your costs low.
>Medicare Supplement policies do not restrict your geographic service area (such as state-lines or other geographic boundaries) to worry about in order to receive care.
>Many Medicare Advantage Programs require that you pay co-pays, until you have spent a maximum out of pocket of from about $3,000 to as much as $10,000. After you meet the Maximum out of pocket, their plan will pay the rest.
>Medicare Supplement plans can be set up with NO plan deductibles or co-pays. (* With one exception, a mandated deductible by the Federal Government of $226/ year for Part B coverage)
>Most Medicare Supplemental plans offer options to "Add deductibles" in exchange for reduced premiums, but if you use their "standard programs" there are few if any deductibles. You could end up with ALL your Medicare bills paid!
>Medicare Supplemental plans often start at about $133 +/- per month (Female age 65) with everything covered except part D (Total cost per year = Approximately $1,600/year.)
>Medicare requires that you pay $1,600 upon admittance to a hospital ... EACH admittance, no matter how many times you need to go to the hospital. Supplemental plans can pay this if you chose that part of the coverage.
Contact me (Oliver Clement) for assistance
and with any questions you may have at:
Fax - 262-898-9591 Cell - 262-902-5714
P.O. Box 453, Somers, WI 53171
Oliver.Clement@OMCInsuranceAgency.com
(Serving all of Wisconsin and Illinois)
and with any questions you may have at:
Fax - 262-898-9591 Cell - 262-902-5714
P.O. Box 453, Somers, WI 53171
Oliver.Clement@OMCInsuranceAgency.com
(Serving all of Wisconsin and Illinois)