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John Schultz
The source of the best solutions for an outstanding retirement.
The source of the best solutions for an outstanding retirement.
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In my last post I described the retirement plans from top financial institutions that provide 8.2% to 14.5% interest per year with earnings locked into your account at the end of every year. But I didn't tell you how that could be possible.
There are dozens of industry standard market indexes that are used by various financial investment plans and bank CDs. Fixed index annuities also use various market indexes as their yardstick to determine the growth rate of your balance in the annuities. The carriers who offer them never invest your money in these indexes. So how do they generate these high-interest rates?
These high earnings are generated through the adjustment of one key factor, "the PARTICIPATION RATE." The participation rate is stated in percentage of the index's annual yield that the institution credits your account with on your anniversary in the annuity. For example, if the S&P500 Index goes up 10% in a given year and the providing carrier provides you with a 100% ongoing participation rate in the S&P500. You would be credited with 10% growth in your balance for that year. If they set your participation rate at 150% for the S&P500, you would be credited with 15% growth in your balance for the year.
If the S&P500 / the market, in general, has a correction for the year and goes negative. What do the carriers do to your account? The answer is nothing but pay you a minimum interest rate for the year. Fixed Index Annuities do not generate negative yields, even in years like 2008 when many investments dropped by 50% and more.
The top financial institutions, that I have been describing, are paying 100% and up to 165% participation rates in the S&P500
index. If you look at the thirty-year history of the interest rates that have been paid by the annuities, their thirty-year historic average yield has been 9.8% per year. And the 165% participation rate annuity would credit your fixed index annuity account with 16.17% capital appreciation for the year, locked into your account.
Many of the top financial firms are creating and offering Industry Standard Indexes. And many of these are "Volatility Controlled Indexes, which means the indexes are designed to provide high yields with low volatility. They accomplish this by using the techniques described in the Nationwide video on the J.P. Morgan Mozaic II Index on my last post. In short, the index management moves the funds from one asset class investment to another asset class. The amount of money they place in each of the Index's sixteen asset classes is dependent on the performance of each of the asset classes at that particular moment. In August 2008, the Index management moved all funds into the cash asset class and they lost nothing. The annuity's providing carriers would not have had your funds invested in the Index so you would not have lost anything and you would have recovered very rapidly. Our clients went right on with their high compounding rates, with grins from ear to ear.
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Most of us have great concepts of what our ideal retirement will be. It maybe RVing all over North America, enjoying years of traveling or visiting your kids and grandkids whenever you want. Or sailing out into the Caribbean, relishing years of tropical living. Then reality sets in, you realize you have to have a realistic plan
to accumulate the funds to reach those dream situations. Our firm offers solid stable retirement plans that will allow you to reach those outstanding goals.

There are five of the highest rated financial institutions in the US who are now offering retirement savings plans that are designed for true capital appreciation.
Those plans are fully insured against any loss of your growing balance in your account. The annual earnings generated by these top plans have historic averages that range from 8.2%APY to 14.3%APY , dependent on which of these financial institutions are offering the plan. These rates are based on the thirty-year histories of each of these retirement savings plans.

These retirement plans are unique because they offer the high growth rates in the plan's cash accounts and lock your earnings in on your anniversary in the plan each year. These plans are liquid which means you can withdraw your principal and interest when you want to, in any denomination that you choose, when are in retirement. These are the retirement plans that everyone wants but seldom have the inside knowledge to find a way to access them. The following URL will provide you with a description of one of the advanced crediting strategies, used by Nationwide Life, one of the A+ rated institutions that provide these outstanding plans: http://www.nationwidenewheights.com/jp-morgan-mozaic/
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Social Security & You
Are you on the verge of retirement? Then you are probably asking yourself when you should stop working and how long after that do you take Social Security benefits? While your first thought may be to take both as soon as you are able, the reality is a little more complicated.

Here are the top Social Security questions answered on when you should take Social Security Benefits.

Does my Social Security benefits grow, even after I retire?

Regardless of when you retire, Social Security benefits continue to grow every year past age 62. In fact, waiting to claim until age 70 would give you on average a 76% higher benefit than claiming at 62. This growth rate is why it would make sense to delay Social Security while your other benefits grow, whether they be other assets or income.

Can I take my Social Security benefits early?

In a recent study by the Bureau of Labor Statistics, nearly 40% of 55 to 64 aged adults are out of the workforce due to health issues. Claiming Social Security early would make sense for people approaching retirement who, for some unforeseen circumstance, are no longer able to work. Although you would not experience the same benefits, Social Security is there for you to take when you need it.

When should I take my Social Security benefits?

Determining when you elect Social Security Benefits depends on assets and secondary income in your disposal and whether these pay for your cost of living. Overall, the longer you wait to claim Social Security the more benefits you stand to receive. On average, for every year after 62 you do not claim Social Security, your benefits grown by roughly 7%. The National Bureau of Economic Research backs these findings up by stating most people on the verge of retirement would be better off waiting to claim their Social Security Benefits.

Bottom Line
Planning for retirement starts a lot earlier than most people think. When developing a customized strategy, make sure you are aware of all the choices you have claiming Social Security, creating secondary income, and mapping out your financial future. Speak with your Financial Professional today and make sure you have economic security in retirement.

Disclosure: This information is provided as general information and is not intended to be specific financial guidance. Before you make any decisions regarding your personal financial situation, you should consult a financial or tax professional to discuss your individual circumstances and objectives.
http://www.irionline.org/resources/resources-detail-view/social-security-is-a-critical-retirement-asset-and-when-to-claim-it-can-make-a-big-difference

The post Social Security & You appeared first on Adult Financial Education Services.
Source: Adult Financial Education

Social Security & You
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One of my favorite hobbies is photography. I appreciate every hour that I am able to enjoy hiking along the Chattahoochee River, the mountains or our barrier
island beaches. The Chattahoochee River scenery constantly changes presenting me with new opportunities for inspiring riverscapes. Several people have purchased my river prints on "Fine Art in America."

Here is the latest:
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Just had a discussion with several of my friends in this part of Atlanta.
They were asking about saving enough for the long retirements that they expect.

And the following are the critical aspects of those questions!

HAVE YOU BEEN SAVING FOR RETIREMENT AND HAVE NOT BEEN ABLE TO FIND SAFE SAVINGS / INVESTMENT PLANS THAT ARE EARNING MORE THAN 6.00% INTEREST PER YEAR?

Our firm is now helping people to apply for very safe retirement plans that are providing their owners with the present INTEREST RATE of 9.4%APY and 18.8%APY growth of your lifetime Retirement Income Balance. This plan is provided by one of the most stable financial institutions. This company has an A.M. Best ( A+ Rating ) and has been in business for 148 years.

This outstanding plan is paying this double-digit interest rate AND IT DOES NOT Charge any fees. The plan does not have any caps on its interest rates.
Its rates are linked to the S&P500 rate (50% participation in the S&P500 Index for capital growth and 100% participation in the S&P500 Index for your Lifetime income balance). When the S&P500 goes up 60%+ as it did in 2009, you would be credited with 30%+ interest earnings on your account's capital growth. At the same time, you would be credited with the full 60.0%APY growth of your annuity's lifetime retirement income balance for the year. It always has a safe 2.0% minimum rate (it cannot drop below this minimum rate even when the S&P500 drops down to negative rates of change in any year. All earnings are locked into your account at the end of each year, you can not lose earnings that you accumulated in past years. All earnings are locked into your account at the end of each year, you can not lose earnings that you accumulated in past years.

This plan provides unheard of earning power for your retirement account.

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Many business people and people approaching retirement contact me today looking for advice on retirement savings because their present investments have high levels of risk and low-interest rates. There are several large highly rated financial institutions that have developed industry standard " Volatility Controlled Indexes." These indexes have high yields over long periods of time. For instance, Barclays Bank's CAPE US Volatility Controlled Index has averaged over 9.0% over the past twelve years. And J.P. Morgan MOZAIC II Index has averaged 6.28% over the past twenty years. Plus Morningstar's Target Volatility 7 Index is also very stable with similar yields. These institutions providing these very stable indexes are outstanding with very high industry ratings. You can invest directly in these indexes but there are ways to invest in these very productive financial standard
indexes and have your investments or savings fully insured against all loss. Most of the top rated (five star) banks offer Index-Linked Certificates of Deposit that have their CDs rates based on the growth rates of many of these volatility controlled indexes. Ten of the top banks are providing these CDs with 200% or 300% participation rates in the indexes. That means the CDs are paying double or triple the growth rates of these Indexes. One of the top ten rated banks has been paying over twelve percent per year on its seven-year FDIC insured CD and over eighteen percent per year on their ten-year FDIC insured CD.

The major insurance institutions have also recognized the value of these industry standard indexes. Several of the highest yield life insurance whole life policies are linked to these excellent "yardsticks", providing you with TAXFREE retirement income that is available throughout your retirement years. Five of these highest rated life insurance institutions are offering fixed index annuities that have NO FEES, are fully insured against loss and paying the high rates of these key indexes. Contact our firm if you are interested in learning more about this outstanding new approach to investing and savings.
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11/7/17
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Saturday Oct. 7th
RiversAlive 2017
Today thirty five of us AOC (Atlanta Outdoor Club) volunteers
joined 5980 different other hiking, boating, kayaking, (white water) , mountain biking, "Trout Unlimited" clubs to clean up the trash on our Georgia Rivers and streams
One hundred eighty of us met as usual at Elvin & Nancy Hilyer's beautiful mountain home on the Etowah River to organize our efforts and the various teams assigned to the each of the local North Georgia Rivers.
The amount of trash thrown out onto our river and streams each year is horrendous. Our group of nine people was assigned to a section of the Etowah River. We picked up and dug out dozens of tires, cans / buckets, plastic and paper. We moved a 400 lb convertible couch onto our truck. All will be recycled correctly.
At the end of the day we all joined together at the Hilyer's home for barbecue cookout and a great get together. I plan to do this again and every year in the future.
https://www.facebook.com/Rivers-Alive-133671323311427/
Rivers Alive
Rivers Alive
facebook.com
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Our firm has been founded on the premise that we will always look out for our client's best interest in all of our recommendations. I have received four different calls this week from people who are planning for retirement. Each of these new clients were heavily invested in the securities markets and there is nothing wrong with that when the markets are soaring. But it is a problem when you are completely invested in securities shortly before retirement. You do not have time to recover from a rapid market correction, which is exactly what most securities specialist are predicting today.

When investing before retirement you need to be concerned about growth but you also need to be focused on preserving your nest egg and your sources of ongoing income. There is no better way to assure your reliable stream of income in retirement than to invest in fully insured investments. If you are concerned about yield on your funds, as everyone should be, we can recommend sound insured investments from top rated institutions that are paying 9% to 12% per year compounding.

This week's Time Magazine includes an excellent article on protecting your retirement savings with fully insured investments that include high yields plus guaranteed income plans.
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Title, Ground Fog

My oil painted in 1979

I planned a day of hiking in the Smoky Mountains. The early morning in the first week in October was brisk and crystal clear. The valleys two thousand feet below were filled with ground fog that flowed like massive water falls. A large raven was performing aerobatics above my vantage point on top of the rugged ridge," The Saw Teeth." I carried my sketch pad and pencils, planned to attempt to capture all of it from the top of a pinnacle. The blue slate of the "Anakeesta Formation," capped off the outcrops below. That was the hour to be there on the majestic remains of the once tallest mountains that have ever graced Earth's continents. The brilliant reflection off the fog contrasted perfectly with the shadows of the "hollers" below.

That was a tremendous day for hiking.



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