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Since 1986, I have consulted with over 4,000 retirees and
in the process have learned a great deal about your needs
and the challenges you face.
As a result, I have developed the ideas, strategies, and
solutions to help you achieve your retirement goals and dreams
with much less stress and greater enjoyment.
I believe your retirement should be about all the things
you have wanted to do but never had the time while you were
working and raising a family. Your valuable and limited time
should not be spent worrying about money!
I recommend that you study and learn The 8 Golden Rules below.
Most importantly use them! Knowledge without a game plan combined
with action is useless!
Richard K. Kelly
President
The 8 Golden Rules For Achieving and Preserving
A High Quality Life Style In Retirement.
- Do Not Outlive Your Money -YOUR MONEY HAS
TO LAST AT LEAST AS LONG AS YOU DO! The Alliance for Aging
tells us the average person is born with a set of genes
that would allow them to live 85 years and maybe longer
based how they take care of themselves. Your retirement
plan must include longevity provisions.
- Protect Your Money Against Market Losses
- DO NOT GO INTO THE MARKET UNLESS YOU HAVE 2 LAYERS OF
PROTECTION AND A SAFETY NET! Your retirement strategy should
protect your money first, generate competitive returns second.
You do not have enough time to lose money.
- Stop Losing Money The Safe Way - Low paying
fixed investments like CDs actually lose money after inflation
and taxation. Once again, you do not have enough time to
lose money.
- Stop Relying On Unpredictable Interest Rates For
Your Retirement Income - If you need income from
your investments and rely on traditional fixed interest
rate investments, the Federal Reserve controls your income
and the quality of your retirement. Your plan should provide
for long term dependable income streams regardless of market
conditions.
- Stop Paying Unnecessary Taxes - Your plan
has to reduce and/or eliminate taxes on:
1. Social Security Benefits
2. Unused interest, dividends, and capital gains
3. Capital gains even when you lose money
- Protect Your Assets From Nursing Home Confinement
- LEVERAGE YOUR CASH TO PROTECT YOUR ASSETS FROM NUSRING
HOME CONFINEMENT! The Wall Street Journal reported in June,
2000 that for a couple turning 65, there is a 75% chance
that one of them will need long term care. AARP reported
in May, 2000 that the average annual nursing home cost was
about $56,000. Use asset leverage and transfer this risk
to a corporation who has the money to pay your way.
- Maximize The Wealth You Transfer To Your Heirs
- Your plan should have provisions to maximize the following
assets for your heirs:
1. An IRA that is stretched can create a legacy
2. Leverage can double or even triple the value of the CDs,
stocks, bonds, and mutual funds you have set aside for heirs
3. Set up an exit strategy for your tax-deferred unused
annuities
- Protect Your Assets Against Probate - Your plan must have
provisions to avoid the three problems your heirs will face
if they have to probate your estate:
1. Cost. Living Trust reported that the average cost of
probate was 14 million.
2. Time. The average time delays for probate are 1 ½
to 2 years.
3. Publicity. No wonder why we have an identity theft problem
in our country. 100% of your probate records are open to
the public
I invite you to call me for more information on how you
can apply The 8 Golden Rules For Achieving and Preserving
A High Quality Lifestyle In Retirement.
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When you use our services at The Pinnacle Annuity Corporation, you can expect a valuable education, a wide selection of high quality products,
and superior service.
Richard
K. Kelly
President
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