Financial Planning Solutions: Retirement Planning

Overview | RETIREMENT PLANNING | Estate Planning | Mutual Fund Investing | Tax-Deferred Savings

These days, most people can't rely on their employer's "pension plan" to provide for their retirement needs. Social Security will not allow any of us to live in the style we've dreamed about. In fact, Social Security will probably only account for 30-40% of your retirement income needs. It will take "proper planning" and systematic investing for most of us to retire comfortably. We're all living longer, healthier lives and most of us have more hobbies and activities than our parents did. This all leads to a need for more retirement income than our parents required.

Some basic retirement planning steps.

Visualize your retirement years. Where do you want to live? What would you like to do?

Write down your goals from questions #1 and apply a monthly or yearly income necessary for you to accomplish these goals.

Tally your current retirement savings plans (IRAs, Rollover IRAs, 401ks, pension plans, etc.) and note your current monthly / yearly investments into them. Then… Contact $olution$.

Develop a strategy for meeting your retirement goals.

$olution$ is equipped to help you design a retirement plan specific to your goals. We'll take into consideration your desires, current savings, current income, age, family status, and investment risk tolerances to develop a plan you can "stick to". There's no real magic, just a plan and discipline.

We may need to have you start out with small contributions and increase them over time. We may be able to help re-position your current retirement assets to enhance their return. We can offer specific plans to help you maximize your "tax-deferred" retirement savings in diversified investment accounts. We can even show you how to never pay taxes on portions of your retirement savings.

Everyone's situation is different. An IRA may be a great idea for one person while a ROTH IRA is better suited for another. A 401k plan may be better than a SIMPLE Plan for certain people and businesses. There are even people who are maximizing their retirement plan at work and still need additional ideas for retirement savings in order to meet their goals. No matter what the case, we'll help you understand the alternatives so you can make a good decision. Doing nothing is easy (so is living in a travel trailer in Blythe). Learning how and where to save for retirement is more difficult, but worth the effort.

$olution$ can help. We'll recommend tested, diversified investment plans. We'll help you understand the advantages of both "qualified" and "non-qualified" investment products. We'll explain mutual funds… versus annuities… versus bank savings plans… versus individual stocks & bonds… and how they all fit in IRAs, 401ks, and SIMPLE Plans. We'll project inflation and investment return into your plan to give you the best chances of success. We'll show you the tax advantages of a qualified retirement plan over a "normal" investment plan.

Most people don't plan to fail, they simply fail to plan… because they're not sure how to plan. If you want to know more, visit our Request Information screen. We'll be happy to help.

Securities offered through registered representatives of NEXT Financial Group, Inc. Member NASD and SIPC. $olution$ Insurance and NEXT Financial Group, Inc. are not affiliated.

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Securities offered through NEXT Financial Group, Inc. MemberFINRA/SIPC
www.finra.org • www.sipc.com

Solutions
Insurance & Financial Services
5825 Old Wheeler Road, La Verne, CA 91750
(909) 596-8100

Solutions Insurance & Financial Services is not an affiliate of NEXT Financial Group, Inc.

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