Retirement Income Specialists - The Local IRA Rollover Expert
The last time we had a financial crisis in this country, people’s 401k turned into “201k’s”, and no one wanted to talk about it. Your advisors had no solution for the problem, so they told you to hang in there and wait for the markets to come back up. Well, you know what? We are heading for another crisis right now. The same problems that caused the credit crisis in 2007-2009 are occurring again; that’s right, the Wall-Streeters did not learn the lesson that we wanted them to learn. Now it’s our turn…
I am Thomas Swan, President of Retirement Income Specialists. We are dedicated to helping our clients achieve a successful retirement. Yes, I am a financial advisor; I am also a distribution specialist. I have learned the lesson that Wall Street fails to grasp; the best way to make money is not to lose it. Yes, you should take risks with some of your money, but how much can you afford to lose? Whatever the answer is, does your investment strategy reflect your sentiment? Your investment should be divided into three categories and you choose the proportions based on your tolerance to risk and pain:
Safe and Secure
Low Risk, Low Volatility
High Risk, High Volatility
I help my clients by locating safer alternative investments that protect your money and earn a fair return. Most financial advisers use asset allocation to solve all problems, because that is how they get paid. There are solutions that give you more flexibility and allow you to use less of your funds to achieve results. We know that Social Security benefits will provide 25-50% of annual income for most retired Americans, yet most financial advisers are not talking about Social Security. Why? Don’t you think that’s an important thing to discuss with your advisor? I do. It only makes common sense to use as much money as the government will give you, especially since you paid for the benefit in the first place. If you can maximize that benefit by being smart, so much the better.
At Retirement Income Specialists, we help you make money out of things that make no sense!
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