Jim Byrd and Biff Hamel host Safe Investing in the New Economy, an educational radio talk show about retirement planning and investment. Brought to you by Safe Harbor Financial Services, it airs each week on WABF 1480 AM radio, FM Talk 106.5 radio and Fox News radio 710 WNTM. Listen on the radio, the website or in your car by plugging in to the podcast on iTunes. This week’s agenda focuses on retirement planning and 401k’s for your safe, happy retirement.
401k- A Good Idea or Not?
Only about 3/4 of eligible employees are enrolled in their companies’ 401k plans. We encourage people who come to see us that if they are in a 401k program that matches their money, to go ahead and invest all they can in that 401k. But if they are close to retirement, we often encourage them to remove the lion’s share of that 401k in favor of other investments that are less risky and also less expensive. A major problem with 401k’s is the lack of professional management. You can change your investment mix, but there are limitations on that and little to no guidance. Learn more about 401k plans here. Some employers don’t let you move your 401k money until you retire, but when they do, we can help you decide whether or not that is a good idea in your case. We evaluate your 401k’s risk, return, and costs and we can often offer you a better deal, one that is lower in cost and risk with comparable returns. Hear more of this interesting discussion by listening to the recording.
Alternatives to 401k
At Safe Harbor Financial, we offer a larger variety of products than most wire companies or other financial consulting or planning businesses. We can match the right product to your circumstances, taking into account all the factors in your personal situation. We want you to have the peace of mind that comes from earning market-like returns with none of the market risk. We do that by selling insurance products called fixed index annuities, also known as hybrid annuities. And with the broad range of possibilities we can offer, we can put together a plan for you that will meet all your retirement needs.
The retirement years are the time when life slows down for many people. You may want to travel for the first time or stay home for the first time, take care of an ailing parent or educate your grandchildren. A well-planned financial portfolio can mean the difference between meeting your future hopes and dreams and regret. At Safe Harbor Financial Services, our job is helping people plan and invest wisely for their retirement years. We would love to help you too.
We Offer a Complimentary Consultation
Give us a call and take advantage of our complimentary consultation. We’ll listen to your circumstances, help you figure out your risk tolerance and evaluate your current portfolio for actual risk. Many people do not understand the many decisions to make concerning 401k’s, Social Security, IRA distributions and taxation issues. We can help with that too. Plus we offer many financial products that meet your retirement needs and deliver guaranteed income at market-like return rates. We’ll put together a comprehensive plan that will reduce your risk and give you income for life. Sound too good to be true? There’s no cost or obligation. Take advantage of this offer by emailing us today or calling at 251-625-1226.
Complimentary Financial Seminars
Another way you can learn more about what we offer is to attend one of our complimentary financial seminars. Call our office or send us a note to reserve your space at our complimentary seminar at Jesse’s in Magnolia Springs on 9/25 or the complimentary seminar at Original Oyster House in Spanish Fort on the Causeway on 9/27. We talk about the 3 circles of investing- the phases of your life and the best investment strategies for each phase. A thought-provoking and interesting evening is yours with dinner on us! Call 251-625-1226 to reserve your seat for you and your spouse or a friend.