Publications

Publications

3 Ways to Spend Your Retirement
Author: Matthew Maennche January 11, 2019 January 23, 2019
Posted in: Retirement Planning
3 Ways to Spend Your RetirementPreparing for retirement can be such an exciting opportunity, especially after having worked hard for the last couple of years. The thought of retirement comes with various expectations in your life, including the availability of resources in form of time and money. Life in retirement can therefore abruptly change. Experts … Continue reading "3 Ways to Spend Your Retirement"
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How Roth IRAs Could Lower Your IRA Distribution Taxes
Author: Matthew Maennche October 8, 2018 January 11, 2019
Posted in: Financial Planning, Retirement Planning
How Roth IRAs Could Lower Your IRA Distribution TaxesOne thing you can consider to save on federal income taxes during your retirement is to convert your qualified tax money into a Roth account. By doing this, you could shield any appreciation on these assets from federal income taxes. Additionally, distributions from these assets will come … Continue reading "How Roth IRAs Could Lower Your IRA Distribution Taxes"
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Helping Preserve Your Retirement Assets by Taking Smaller Distributions
Author: Matthew Maennche October 8, 2018 January 11, 2019
Posted in: Financial Planning
Helping Preserve Your Retirement Assets by Taking Smaller DistributionsYou own two pots of money: The money that has already been taxed (let's call it "regular money") and the money that had not been taxed (let's call this "retirement money" such as IRA, 401(k), 403(b), etc.) When you spend $1 of retirement money, assuming your marginal … Continue reading "Helping Preserve Your Retirement Assets by Taking Smaller Distributions"
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An Alternative to Tax-Free Bonds
Author: Matthew Maennche October 8, 2018 December 11, 2018
Posted in: Financial Planning
An Alternative to Tax-Free BondsWhile tax-free bonds can be a popular source of tax-free income, some retirees are not aware that they can receive a potentially higher source of cash flow from insurance companies.This source of money is from an immediate annuity. In exchange for the premium payment, the insurance company pays the annuity owner … Continue reading "An Alternative to Tax-Free Bonds"
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How Fixed Immediate Annuities Can Help Increase Cash Flow
Author: Matthew Maennche October 8, 2018 December 11, 2018
Posted in: Financial Planning
How Fixed Immediate Annuities Can Help Increase Cash FlowIt’s possible to increase your monthly cash flow with a fixed immediate annuity. An immediate annuity is simply the payment of a premium to an insurance company. In exchange, the company converts your premium to a monthly cash payment for life or term of years. (Monthly payments … Continue reading "How Fixed Immediate Annuities Can Help Increase Cash Flow"
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Four Important Financial Issues for Retirees
Author: Matthew Maennche October 8, 2018 December 11, 2018
Posted in: Financial Planning, Retirement Planning
Long Term Care1. Having Sufficient IncomeMany retirees want to generate sufficient income so that they never need to consume their principal. In fact, moat invest in a manner that will increase their probability of using their principal. You may be doing this also. Many retirees think that they must keep their principal safe and available, … Continue reading "Four Important Financial Issues for Retirees"
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Retirement Issues
Author: Matthew Maennche October 8, 2018 December 11, 2018
Posted in: Financial Planning, Retirement Planning
Retirement IssuesRetirement is not just about the size of your nest egg. There are several considerations for a comfortable retirement experience in addition to a financial retirement plan. These considerations extend to where you live, housing options, and healthcare quality and choices. Most importantly, what activities will you do in retirement to stay mentally and … Continue reading "Retirement Issues"
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Protecting Your Assets
Author: Matthew Maennche October 8, 2018 December 11, 2018
Posted in: Insurance, Retirement Planning
Protecting Your AssetsWhile everyone needs car, homeowners and health insurance, there are specific types of insurance that are very pertinent to seniors or retirees. These senior insurances are detailed below, and the failure to have any of these protections could the difference between a comfortable retirement and years of heartache.Life InsuranceWhile the common reason to … Continue reading "Protecting Your Assets"
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Retirement Income Sources
Author: Matthew Maennche October 8, 2018 December 11, 2018
Posted in: Financial Planning, Retirement Planning
Retirement Income Sources Many retirees lack control over 50% or more of their retirement income. For example, if a retiree has income of $50,00 annually, and $30,000 comes from social security and employer pension, the retiree controls less than half of his retirement income—making those sources somewhat useless to discuss. So let’s focus on the … Continue reading "Retirement Income Sources"
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Generating Retirement Income
Author: Matthew Maennche October 8, 2018 December 11, 2018
Posted in: Financial Planning
Generating Retirement Income Financial planning prior to retirement is focused on asset accumulation, tax minimization, and maintaining a budget that allows for maximum savings. Retirement financial planning, however, is focused on these different objectives: maintaining an adequate income without salary or wages, maximizing pension and social security, having adequate health and long-term care protection and … Continue reading "Generating Retirement Income"
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