Reduce Your Financial Risk In Retirement
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Denny is the founder and President of SafeMoney, a St. Louis based Retirement Income Planning firm specializing in asset protection. He is the host of the Safe Money & Income Radio Show each Saturday from 4-5pm on The BIG 550 KTRS. Denny works across the United States sharing his expertise to help people secure safe retirements. He is a graduate of Missouri State University and now studies at the American College of Financial Services where he is a participant in the Retirement Income Certified Professional program. He is also certified in Social Security Maximization strategies and Long-Term Care. He is a licensed insurance professional in the states of Missouri, Illinois, Arizona and California.
Denny is a former Chief Operating Officer in a division of a Fortune 500 Company where his integrity and leadership qualities helped guide others to success. He is passionate about helping people achieve a great retirement and teaches concepts based on protection strategies and guaranteed streams of income. SafeMoney was created for people who are looking for safety, security and financial protection.
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. We’re all living longer because of advanced medical science and technology. It’s very probable that people retiring today could spend 30 years or more living in retirement without earned income. That’s a scary and very realistic thought. That’s why income planning is our top priority. We help you establish a solid income plan guaranteed to last as long as you live. In other words, the income plans we prepare are guaranteed to “go the distance.” Even if you live to be 120 or older! You are guaranteed to always receive that monthly income check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create an income strategy you can’t outlive. That way you can enjoy retirement with confidence and certainty.
Maximize Your Social Security! Don’t make a decision that’s usually $500,000 or more without being informed. When and how you claim your Social Security can have a significant impact on your lifetime benefits. Get an idea how much money you stand to gain or lose based on the claiming strategy you choose. You’ll get a customized report specific to your situation. Your decision will impact how and when you tap certain assets to supplement your Social Security income. The Social Security Administration cannot give advice, ask you about other assets, or evaluate the impact of your decision on the rest of your retirement income plan. This decision is the cornerstone of most retirement plans.
If you are age 50, or over it’s time to start thinking about your retirement dreams and how to make them come true. Our Social Security expertise can give you the knowledge to take the first step in building a strong retirement foundation.
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 preservation of 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 insurmountable 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!
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.
Here are four things you can do with the money in your employer sponsored retirement plan:
- 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!