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How Sequence of Returns Crashes Clients' Retirement Account

Retirement is an issue with all of us. Over our lives, most of us have made assumptions about a myriad of issues:

  • How much will I need to accumulate to insure a comfortable retirement.?
  • How long will I need it, i.e., how long will I live?
  • Once I've decided to retire, how much can I take out to insure that I don't outlive my asset?
  • If married, how much will my spouse receive when I die?

One of the major issues that doesn't seem to be considered is what happens if there is a variance in the returns your retirement account earns. What are the consequences if there is a major reduction in the earnings an account receives in the years leading up to and early in retirement. You might want to consider the effect as illustrated in this article.

If you would like to discuss how this issue affects your accounts, contact us by phone or text to 208-315-3833, by fax to 208634-3613, or by email to [email protected].

Turning 65? Here's what you need to know about Medicare

San Diego Union-Tribune, November 13, 2019

This article informs readers of vital information regarding their eligibility for Original Medicare on turning age 65. This information is a must see for those who will soon reach eligibility and provides them with valuable resources. The only fact that is missing is seeking insurance agents who specialize in Medicare coverages. We have expertise in guiding them through the Medicare maze.

You're insured!

By Travelers

This document is intended to help you better understand your homeowners insurance. Your policy is effective from June 17, 2020 to June 17, 2021. For a complete description of your coverage, please refer to your policy.