As safe money counselors, we give our client's assurance that they will never lose money on any investment recommendation we might make, while still earning an attractive rate of return.
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To determine specifically how we are able to help our client's, and how we could potentially help you as well, we have listed some of the questions we have heard from client's, for which we have been able to provide a solution.
How Could We Help You?
If you also have some of these same questions, please schedule some time with me to discuss your particular concerns and how we could address them. These are some of the issues we have addressed with our client's:
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How can we earn a higher interest rate on our safe money investments like CD’s, but without taking any additional risk?
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Since we‘re nearing retirement, we are now more concerned with not losing money on our investments instead of getting a high rate of return by taking more risk. Is there any way to get an attractive rate of return while guaranteeing that we won’t lose money?
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Since we don't have a traditional long-term care insurance policy, we are quite concerned that a significant LTC event for either of us could deplete our savings and leave us in a bad way. We also don't want to be a burden to our family's. So, without such a policy, is there anything you could recommend that would give us some peace of mind in this area, even if we need to reposition some of our safe asset investments?
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The inflation we’ve been experiencing has caused a problem with our current income. If this continues, it’s really going to hurt. We’d like to be able to at a minimum have a guarantee that we will always be able to pay all of our essential expenses throughout each of our lives. Can you help us?​
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Since we have some safe money assets which we have earmarked for our grandchild at our death, and which we don’t believe will ever be needed for current income, is there any way that we can maximize this inheritance over giving a cash gift amount, and eliminate a potential spendthrift problem?
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We have several IRA’s that will be inherited by our children after both my wife and I pass away which could be reduced significantly from taxation after the Secure Act eliminated the stretch IRA. Do you have any options that could improve this inevitable situation?
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​We are fortunate that we don’t need the required distributions from our IRA’s for current income, but we hate paying taxes on this income that we don’t need.
Is there any way we could use this money more efficiently for heirs or for charity?
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We are aware that we have some life insurance policies and annuities that may no longer serve our purpose, and that many improvements have been made in the industry since we purchased them. Would it be possible for you to take a look at these to determine if switching to something more modern might make sense? We've also heard about using something called a 1035 exchange which would prevent any taxation on the switch. Could this make sense in our situation?
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As a married couple, we are a bit concerned about how the surviving spouse will fare financially and if they will continue to live comfortably. Could you possibly recommend a solution that will give both of us some peace of mind?
