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The Best Physician Retirement Savings Plan
 
05:14
For two years in a row, reports show that nearly half of all US physicians both employed and in private practice are behind where they would like to be in retirement preparedness. The question is what can they do about it? Hi, I’m David Alemian and welcome another edition of The Alemian File. Today I’m going to share with you an overview of a solution to the huge problem of funding your retirement. But first let’s look at one of the big reasons why so many doctors are behind. After all, they make a good living right? Many doctors get a late start to funding their retirement due to a late start in their careers and medical school debt. Whatever the reason, nearly half of all doctors viewing this right now need help catching up, so let me get right to the point. Today, I’m just going to talk concept but first I need you to Open your mind and put yourself into learning mode, because you are about to learn something that is not only remarkable it is absolutely amazing. This is sophisticated, but I’m going to make this very very simple, You financed your medical education,…. you financed the purchase of your home…. You financed your car…. Most large financial undertakings are financed…. Why not finance your retirement? Yes it’s true you can actually finance your retirement? Let’s say we have a 50 year old doctor who is behind on his or her retirement savings. This doctor does not have a lot of time to catch up, because the doctor want to retire at age 65. The doctor decides to put fifty thousand dollars per year into this retirement plan. A very large bank matches that contribution and loans the doctor another fifty thousand dollars per year to put into the retirement plan. So now the doctor has one hundred thousand dollars per year going into this retirement plan. There are no loan applications or loans for the doctor to sign, because the plan itself fully collateralizes the loan. That is because, the savings vehicle for this plan is very special cash value life insurance policy from an “A” rated insurance company. There is always enough cash value in the policy to cover the loan. The doctor does this for five years and each year the bank matches the doctor’s contribution. After the fifth year, the doctor stops… contributing to the plan. Here is the amazing part… In the second five years…. years six through ten, the bank puts the entire one hundred thousand dollars per year into the plan…. So that at the end of the 10 years… one million dollars has been put into the doctor’s retirement plan. That is four times what the doctor has put in. Now the money grows and compounds for the next five years and in year fifteen, the bank gets their money back along with the accrued interest. Here the best part… In this conservative example, starting at age 65 the doctor would enjoy a tax-free income of about sixty thousand dollars per year for life. Some of these plans yield lifetime six figure tax free retirement incomes. Imagine being able to maintain your current lifestyle through retirement and never run out of money. This plan is so safe and secure that even during the banking crisis, these plans were still being approved. This plan works for physicians in private practice and for physicians who are employed. It can be done for a single doctor or a group of doctors. To qualify for this plan the doctor must be age 65 or younger, earn at least one hundred thousand dollars per year…. and be able to qualify for standard life insurance rates. … Oh and if it were a group of seventy or more doctors, everyone in the group is automatically approved for the insurance. You could do an entire hospital full of doctors, a doctor group or even a hospital group and everyone who qualifies and wants to participate could. In summary, this is a safe and secure way for doctors to use leverage to catch up on their retirement readiness.s If you have questions send an email to Questions @ The Alemian File .com I’m David Alemian and Thank you for watching.
Просмотров: 813 David Alemian
David Alemian - The Physician's Retirement Plan
 
05:01
Contact: David Alemian www.PhysiciansRetirementPlan.com. Tel.(760) 231-8788 Email: David@PhysiciansRetirementPlan.com Are you a physician in your 50’s or even mid-60’s wondering how will I ever be able to retire? Are you concerned about not having enough money for retirement? Hi I’m David Alemian, retirement expert. I help physicians just like you enjoy a tax-free retirement income without the risk of running out of money. I’ll get right to the point. You don’t have time to wait and you want the problem fixed. So let's fix it now, because this problem is like cancer, the longer you wait, the worse it gets, and if you wait too long it'll be too late. Here is how others doctors just like you have made it so they are guaranteed never to run out of money in retirement. You financed your medical education, you financed the purchase of your home You financed your car Most large financial undertakings are financed…. Why not finance your retirement? Let’s say we have a 50 year old doctor who is behind on his or her retirement savings. This doctor does not have a lot of time to catch up, because the doctor wants to retire at age 65. The doctor decides to put fifty thousand dollars per year into this retirement plan. A very large bank matches that contribution and loans the doctor another fifty thousand dollars per year to put into the retirement plan. So now the doctor has one hundred thousand dollars per year going into this retirement plan. There are no monthly payments, and there are no loan applications or loans for the doctor to sign, because the plan itself will fully collateralize the loan. That's because, there is always enough money in the plan to cover the loan. The doctor does this for five years and each year the bank matches the doctor’s contribution. After the fifth year, the doctor stops… contributing to the plan. He’s all done. Here is the amazing part… In the second five years…. years six through ten, the bank puts the entire one hundred thousand dollars per year into the plan…. So that at the end of the 10 years… one million dollars has been put into the doctor’s retirement plan. That is four times what the doctor has put in. Now the money grows and compounds for the next five years and in year fifteen, the bank gets their money back along with the accrued interest. Here the best part… In this conservative example, starting at age 65 the doctor would enjoy a tax-free retirement income of about sixty thousand dollars per year for life. Some of these plans yield six figure tax free retirement incomes that are guaranteed for life. Imagine being able to maintain your current lifestyle through retirement and never run out of money. This plan works for physicians in private practice and for physicians who are employed. It can be done for a single physician or a physician group of almost any size. This plan is so safe and secure that even during the banking crisis, these plans were still being approved. So what does the smart money think about this? This is what very wealthy people do. Warren Buffet likes it so much so that he is owns a number of companies that provide these types of plans. You know some people have told me that this plan sounds too good to be true, I mean, a bank lends you money for your retirement plan, and there are no monthly payments and then they wait 15 years to get paid back from the plan itself, there’s no risk to you and then you get income that is guaranteed for life? There’s gotta be a catch right David? Well there isn’t, as a friend of mine whose spent 40 years in the banking industry told me, it’s the safest kind of loan that a bank can make. In summary, this is a safe and secure way for doctors to use financial leverage to catch up on their retirement readiness. Please give me a call at 760 231 8788 The same way the you want to help your patients, I want to help you. Contact me and lets see if whether or not that you’re a good candidate for this of plan. My contact information is next.
Просмотров: 317 David Alemian
Steven Podnos MD, MBA, CFP(R)  on Common Physician Retirement Planning Mistakes
 
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http://physicianfinancialsuccess.com Josh Mettle: Let’s move on to another article that I found very interesting, and that article’s titled Six Common Physician Retirement Planning Mistakes. Would you mind giving us just a brief review of that article and covering a few of the common mistakes that you see physicians making? Steven Podnos: Sure. What I find in general is one of the most powerful ways that physicians and other businesses can build wealth and retirement security is with retirement plans. Because essentially the government is helping you, letting you deduct the contributions that are relatively high tax bracket and then later when you take distributions or paying back in a much lower tax bracket from those retirees and there’s that both arbitrage of tax rates as well as, the fact that your earnings get tax-deferred for so many years. It’s just a spectacular way they build wealth. And so, most physicians and other physician businesses and other businesses have retirement plans, but I’ve seen some big errors that cost them a lot of money. The biggest error is when they go to a bank, or a brokerage company, or a nontransparent investment advisor, and they get put into these plans that have very high costs, again many of which are usually hidden. There will be mutual funds on many of the insurance company brokerage plans that they call it pay-to-play. That it’s well known that these are mutual funds that no one would ever in their right mind buy because of performance and expenses, but they pay the insurance company a fee to be on the platform and then you’re stuck with those choices. I actually see these all the time because I have people that work for big corporations including physicians, and they’re stuck with these terrible choices. http://www.wealthcarellc.com ________________________________ Josh Mettle fairwayphysicianhomeloans.com 801-747-1210 NMLS #219996 CA-DOC #219996 Equal Housing Lender Fairway Independent Mortgage Corporation NMLS Entity ID # 2289 1-800-201-7544 Copyright© 2016 eJLM LTD All Rights Reserved
Просмотров: 45 Physician Home Loans
David Alemian - Inflation  Physician's Retirement
 
05:09
Contact: David Alemian www.PhysiciansRetirementPlan.com. Tel.(760) 231-8788 Email: David@PhysiciansRetirementPlan.com Alemian File – Inflation The AMA Insurance Agency 2013 Report on US physician’s financial preparedness revealed that 48% almost half of all US physicians are behind their retirement plans. The same agency just came out with their 2014 report. This time it is about EMPLOYED physician’s financial preparedness. It's important to note that nearly 60% of all US physicians are employed by a group practice, hospital or medical school and the results are just as disturbing as before, because the trend continues. Once again the report shows that nearly half of all physicians consider themselves behind where they like to be in saving for retirement. Hi I'm David Alemian and welcome to another edition of the Alemian file. In an earlier episode, I introduced you to what I call the Alemian retirement killers. There are five of them taxes, inflation major medical illness, market losses, and late start to saving due to medical school bills. Any one of these can financially kill your retirement, causing YOU run out of money in the middle of retirement. Today I'm going to talk about inflation, I call it the silent killer of retirement. The same way that cholesterol and blood pressure are called the silent killers, because they have no symptoms but the the effects that they have on your body creep up on you over time and take their toll. So is the effect of inflation on your retirement, you don't notice it on a day to day basis, as it quietly eats away at your purchasing power. Over time inflation takes it’s toll on your ability just to maintain your current lifestyle. Eventually, you are faced with the choice of either dramatically cutting back on lifestyle or running out of money. Neither one is a good choice which is why Inflation made the list of the Alemian Retirement Killers. To be accurate and calculate how inflation will affect your retirement we’ll use the long-term inflation rate. Over the last 50 years inflation has averaged 3.33%. At that rate, the cost of most things doubles about every 21 years. What does this mean to you? Whatever it cost you to live now... In about 21 years it should cost you about double. Now remember any fixed costs should be factored in as fixed costs. Here is a shocking example of what inflation will do. A 40-year-old doctor with about $7500 per month in living expenses can expect to spend about $15,000 per month by the time he or she reaches age 61. And that is just last to maintain the same standard of living. But we're living longer, so when this same doctor reaches the age of 82 that Dr. can expect to be spending about $30,000 per month. This doctor would have to plan for a lifetime retirement income of approximately $30,000 per month to reach age 82, and an income of $45,000 per month to reach age 93. Subtract any expenses that will go away (personal debt, medical school bills etc.) Remember, you want to be accurate so only subtract your mortgage if you truly expect to completely pay off your mortgage. And what you have now is a simple way to calculate how much money you will need to stay ahead of inflation. The lesson that I want you to take away is this, One: Add up your monthly living expenses Two: Starting with your age today, Double those monthly living expenses every 21 years. Three: Keep any fixed costs the same and subtract any expenses that will go away (personal debt, medical school bills etc.) The remaining amount will give you a good idea of how much AFTER-TAX money you will need to stay ahead of inflation while maintaining your current lifestyle through retirement. Feel free to email your questions to Questions at The Alemian File . com Watch for future editions of The Alemian File and discover how to build the retirement of your dreams. My Name is David Alemian Thank you for watching.Alemian File – Inflation
Просмотров: 111 David Alemian
Retiring Physician
 
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Dr. Leland Lindquist shares his knowledge about how the medical field has changed in the last 40 years.
Просмотров: 190 AM 1240 WJON
Why Medicare Planning is Important to Retirement - Let's Get Down to Business
 
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Curtis reviews the top seven items about Medicare you should know. Medicare is an important aspect of retirement planning. Medicare part A is hospital coverage, Medicare part B is physician and out patient covering 80%. This is why seniors need to purchase a Medicare Supplement policy to cover the other 20%. Medicare part C are Advantage Plans.Medicare part D is a limited drug plan. Medicare pays partial medical expenses like dental, eyes and other items. Heath savings accounts are available for funding through age 65. Funding an HSA account with pretax dollars and the distributions for qualified medical expenses are tax free. Tax management may result in paying less Medicare premium by keeping eligibility for Tier one and two, the lowest premium income means testing for Medicare. Syndicated financial columnist and talk show Steve Savant interviews author, platform speaker and nationally recognized retirement expert Curtis Cloke, adjunct professor at the American College. And as a producer, Curtis is a qualifying member of MDRT and Top of the Table. http://youtu.be/nvLQgDfF0LM
Просмотров: 1145 Ash Brokerage
Finance Your Retirement Plan
 
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www.DoctorsRetirementPlan.com (760) 231-8788 Hi, I’m David Alemian retirement expert, radio talk-show host, video columnist, and author of the soon to be published book The Physician’s Retirement Plan. You’re watching this video because you’re concerned about the possibility of not having enough money to last throughout retirement. That’s a scary and lonely thought. I’m here to tell you that you’re not alone, because half of all doctors are behind in their retirement savings. It reminds me of when I had testicular cancer. The first time the doctor mentioned the word tumor, it sent a cold chill right down my spine. The next thing he said was that he sees this all the time, and that there is a 99% survival rate. There wasn’t time to wait, I just wanted the problem fixed, so I let him fix it and now I’m cancer free. You're concerned about not having enough money for retirement, you don’t have time to wait and you want the problem fixed. So let's fix it now, because this problem is like cancer, the longer you wait, the worse it gets, and if you wait too long it'll be too late. Here is how others doctors just like you have made it so they are guaranteed never to run out of money in retirement. You financed your medical education, you financed the purchase of your home You financed your car Most large financial undertakings are financed…. Why not finance your retirement? Let’s say we have a 50 year old doctor who is behind on his or her retirement savings. This doctor does not have a lot of time to catch up, because the doctor wants to retire at age 65. The doctor decides to put fifty thousand dollars per year into this retirement plan. A very large bank matches that contribution and loans the doctor another fifty thousand dollars per year to put into the retirement plan. So now the doctor has one hundred thousand dollars per year going into this retirement plan. There are no monthly payments, and there are no loan applications or loans for the doctor to sign, because the plan itself will fully collateralize the loan. That's because, there is always enough money in the plan to cover the loan. The doctor does this for five years and each year the bank matches the doctor’s contribution. After the fifth year, the doctor stops… contributing to the plan. Here is the amazing part… In the second five years…. years six through ten, the bank puts the entire one hundred thousand dollars per year into the plan…. So that at the end of the 10 years… one million dollars has been put into the doctor’s retirement plan. That is four times what the doctor has put in. Now the money grows and compounds for the next five years and in year fifteen, the bank gets their money back along with the accrued interest. Here the best part… In this conservative example, starting at age 65 the doctor would enjoy a tax-free retirement income of about sixty thousand dollars per year for life. Some of these plans yield six figure tax free retirement incomes that are guaranteed for life. Imagine being able to maintain your current lifestyle through retirement and never run out of money. This plan works for physicians in private practice and for physicians who are employed. It can be done for a single physician or a physician group of almost any size. This plan is so safe and secure that even during the banking crisis, these plans were still being approved. So what does the smart money think about this? This is what very wealthy people do. Warren Buffet likes it so much so that he is owns a number of companies that provide these types of plans. You know some people have told me that this plan sounds too good to be true, I mean, a bank lends you money for your retirement plan, and there are no monthly payments and then they wait 15 years to get paid back from the plan itself, there’s no risk to you and then you get income that is guaranteed for life? There’s gotta be a catch right? Well there isn’t, as a friend of mine whose spent 40 years in the banking industry told me, it’s the safest kind of loan that a bank can make. In summary, this is a safe and secure way for doctors to use financial leverage to catch up on their retirement readiness. Please give me a call at 760 231 8788 The same way the you want to help your patients, I want to help you. Contact me and lets see if whether or not that you’re a good candidate for this of plan.
Просмотров: 29 David Alemian
Konstantin Litovsky - Shocking Myths of Investment Management for Physicians
 
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http://physicianfinancialsuccess.com Konstantin Litovsky of Litovsky Asset Management specializes in providing financial advice for doctors and dentists and is one of the tiny number of advisors who provide flat-fee comprehensive retirement plan services. Konstantin was recently on our podcast, "Physician Financial Success". You can find us on iTunes. To listen to this interview or any of our other guests, please visit http://physicianfinancialsuccess.com/. http://litovskymanagement.com/ Josh Mettle fairwayphysicianhomeloans.com 801-747-1210 NMLS #219996 CA-DOC #219996 Equal Housing Lender Fairway Independent Mortgage Corporation NMLS Entity ID # 2289 1-800-201-7544 Copyright© 2016 eJLM LTD All Rights Reserved
Просмотров: 77 Physician Home Loans
Are You a Boomer Physician Worried about Retirement?
 
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If you are a physician in your 50's or 60's, you may be behind in retirement planning. Vicki Rackner MD, President of www.MedicalBridges.com, points out that safe targeted financial solutions-- like those used by Warren Buffett and financial institutions like banks --can help you get your retirement plans back on track.
Просмотров: 31 Doctor Retirement
3 Easy Ways To Protect Yourself Against Rising Health Care Costs In Retirement
 
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Retirees are worried about rising health care costs. And rightly so. Health care costs have been on the rise in America. According to an AARP study cited in the video above, from 2000 to 2010 health care spending per person has grown at an average rate of 5.6%, compared to inflation of 2.4%. To download your free report that will show you how to protect yourself against rising health care costs in retirement go here: http://www.http://retirementplanningmadeeasy.com/retire-worry-free There may not be much we can do to stop health care costs from rising. But there are things that we are in control of that can help protect us from those rising costs. It goes without saying that staying healthy is important, not only from a lifestyle point of view, but also from a financial point of view. But other than living a healthy lifestyle, there are steps financially speaking that you can take to protect yourself from rising health care costs in retirement. We are in control of our budgets. So let's start there. 1. Make a list of your monthly core expenses and compare that list to your monthly guaranteed lifetime income sources. When I say "core" expenses I'm talking about things you must purchase, like food, utilities, rent/mortgage, property taxes, etc. Since these expenses will be recurring for the rest of your life, you want lifetime income sources to cover them. To download your free report that will show you how to protect yourself against rising health care costs in retirement go here: http://www.http://retirementplanningmadeeasy.com/retire-worry-free 2. Consider a diversified portfolio to fight back against inflation. In the video above you can see what inflation can do to prices over a 25 year time period. Did you know you could be retirement that long or longer? You need to strategy to fight back against inflation, especially health care inflation. A diversified portfolio is one such strategy. 3. Put together your own personal retirement income plan. This plan will show you how much in lifetime income you need, as well as how much cash is a safe amount to have on hand, and how to combat inflation with a diversified portfolio. It is important to focus on what you can control. We are in control of how we spend our money, and how we allocate. By focusing on proper planning you are taking a step in the right direction to protect yourself against rising health care costs. To download your free report go here: http://www.http://retirementplanningmadeeasy.com/retire-worry-free Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Просмотров: 2597 Retirement Planning Made Easy
Doctor Mark Retirement 2014 Tribute
 
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Просмотров: 185 chris scholz
101: Retirement Planning [Webinar]
 
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If you are unsure where to start when planning your retirement, watch our "Retirement Planning 101" webinar. It covers everything from estate planning tax implications to life insurance and more - all of the crucial information you can use to make the planning process much easier. Managing Director of Wealth Planning Rebecca K. Robinson will guide you through the topics in a straightforward and enlightening hour long session. Zions First National Bank operates locations in communities throughout Utah and Idaho, and more than 150 ATMs in the two states. In addition to a wide range of traditional banking services, Zions offers a comprehensive array of investment and mortgage services, and has a network of loan origination offices for small businesses nationwide. The company is also a leader in providing electronic banking services, including electronic municipal bond trading. Connect with Zions Bank: Like Zions Bank on Facebook: https://facebook.com/zionsbank Follow @ZionsBank on Twitter: http://twitter.com/ZionsBank Zions Bank Official Website: https://www.zionsbank.com/ Zions Bank Mobile: https://www.zionsbank.com/personal/mobile-banking.jsp Find a Branch or ATM near you: https://www.zionsbank.com/locations/branch-atm-locator.jsp
Просмотров: 744 ZionsBank
Utilizing Your HSA for Medical Expenses or Retirement Living: Which is Better?
 
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Perry walks through a strategy that has been proposed by others in our industry in regards to using a Health Savings Account (HSA) to cover future retirement living expenses.
Просмотров: 945 United Capital Evansville
Small Business Retirement Plans
 
02:45
Design your small business retirement plan to better target contributions and tax deductions.
Просмотров: 20 Odyssey Advisors LLC
How to get 100% Tax-Free Income In Retirement
 
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Is it possible for you to get tax-free income in retirement? how can you maximize the amount of tax-free income in retirement?, and is this a suitable strategy for you? We answer these questions in this video, and disclose a little known section of the tax code that allows you to use life insurance as a vehicle to receive tax-free income in retirement. Get your FREE Report by sending your request to: anton@thehendlerfinancialgroup.com Depending on your age, life Insurance may just be the best vehicle to establish a retirement fund that will grow steadily over time and provide you with income that is 100% tax-free during your retirement. We explain the reality of paying taxes; the different options for tax free income and why using the Life Insurance option may just be the most effective way to achieve tax-free income in retirement. Taxes and Inflation are one of the biggest concerns that retirees and those people planning retirement have today, and using life insurance in this way will alleviate the concern about future taxes on income and provide more spendable income in retirement. The attached report will reveal in detail, the highlights of using Life Insurance for Tax-Free Retirement Income, namely: no limits on contributions, tax-free income, protection against market losses, contributions ‘linked’ to a market index, gains are credited and ‘locked-in’, income (loans) can be taken at any stage, the remaining death benefit goes to your beneficiaries. To download the full report “How to get 100% Tax-Free Income in Retirement Using Life Insurance” send your request to: anton@thehendlerfinancialgroup.com PS: Please subscribe to our channel above to make sure you receive updates on all future retirement videos. We post new retirement videos like this regularly, so please Subscribe now to get instant updates on our upcoming videos.
Просмотров: 8848 Default Name
Withdrawing money from retirement accounts
 
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Withdrawing money Now that we've covered how to put money into your retirement account, and how to manage it once it's in there, let's take a look at how to withdraw your money. The government gives up a lot of tax revenue by letting you save through retirement accounts. The government is offering you the carrot of tax deferred savings, but it also has the stick of penalties to deter you from raiding your account before retirement. Penalties for early withdrawal Generally, you cannot withdraw money in retirement accounts until you reach the age of 59.5. If you withdraw funds early, the amount you withdraw is treated as taxable income with taxes due immediately. You also must pay an additional penalty tax of 10 percent of the amount withdrawn. As always, however, there are exceptions and you actually have a good degree of access to your money. Borrowing against retirement account assets In the case of a 401(k), it depends on the plan, but you generally can borrow against your account balance for any reason. You don't have to show any kind of hardship. You normally can borrow up to half of your account balance, up to a maximum of $50,000. The term of the loan is normally five years, and longer if the loan is used to make a downpayment on a home. You generally pay a low interest rate on the loan, and best of all, you usually pay the interest to your own retirement account. 403(b) plans also normally allow borrowing against your account. IRA's are different, however. You can't use your IRA money as collateral for a loan. 401(k) hardship cases with penalty 401(k) plans also allow you to withdraw your money in so-called hardship cases. The definition of a hardship varies from plan to plan, but some acceptable hardships include making a downpayment on a home and paying for college tuition. In these cases you can withdraw your funds before age 59.5, but you still must pay the penalty tax of 10 percent, despite the hardship. 401(k) hardship cases without penalty There are also cases where you can withdraw money from your plan without paying the penalty tax, but these are more drastic cases. If you have large uninsured medical expenses or suffer a disability and cannot work, you can withdraw the money before age 59.5 and avoid paying the 10 percent penalty tax. Also, if you die before age 59.5, your beneficiaries can withdraw the money without paying the penalty. In both cases, however, regular income taxes must be paid. Withdrawing money as an annuity Finally, you can withdraw money before age 59.5 and avoid any penalty if you agree to withdraw the money in a series of roughly equal payments each year. Assume you're 50 and have enough money saved up to retire. You can stop working and receive roughly equal annual payments from your account as determined by IRS tables. You must continue these payments for five years or until age 59.5, whichever is later. You must pay normal income taxes on the annual distributions, but you won't have to pay a penalty. Withdrawing money after age 59.5 We've talked about how to manage money before you've retired, so now let's look at how to manage and withdraw money from your accounts after retirement. After age 59.5 you can tap into your accounts without penalty, but your retirement accounts should be the last place you'll want to look for money. If you have other savings outside of retirement accounts, you'll want to use these other savings first. You'll want to let your money in the retirement accounts grow tax-deferred as long as possible. Forced withdrawals after age 70.5 However, the day will come when you'll have to begin to withdraw money from your retirement accounts. In fact, after you reach age 70.5 you must begin making minimum withdrawals from your retirement accounts according to a set schedule. Unfortunately, you can't let the money grow tax deferred forever. But in most cases when you take the money out after age 59.5, you can take out almost any amount you want, whenever you want. You can take out a big chunk all at once, or you can have your mutual fund send you checks on a monthly basis. If you receive a lump sum from a pension, you can annuitize the lump sum by turning it into a stream of monthly payments for your lifetime. However, you will have to pay income taxes on almost all the distributions that you receive from your retirement accounts. About the only exceptions are if you make non-deductible contributions to your IRA or 401(k). At the end of the year your old employer or the mutual fund will send you a Form 1099-R. This form shows how much you received from your retirement account. The IRS uses this information to ensure that the amount listed on your tax return matches the amount distributed by your mutual fund. Copyright 1997 by David Luhman http://moneyhop.com/scripts/retirement-planning/150-withdrawing-money-from-retirement-accounts
Просмотров: 18597 MoneyHop.com
Aviva's 5 point plan for a better retirement
 
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Aviva supports calls for improvements to how consumers organise their retirement income. Aviva's five point plan sets out key areas for change to ensure people nearing retirement get a better deal. Providing retirees with clear guidance, ensuring medical information is always obtained, and offering competitive annuity rates are central to the changes we want to see. Here, David Barral makes the call for change. For more information visit:  http://bit.ly/LSw6eK
Просмотров: 620 Aviva
Financial Planning for Medical Professionals | Aventus Advisors
 
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Learn about financial planning specifically for medical professionals such as custom retirement plans designed to reduce tax liability. Contact Aventus Advisors at http://www.aventusadvisors.com to learn more about the Aventus Wealth Management System.
Просмотров: 69 Jeff Hare
Do It Yourself Retirement Planning: Smart Choice or Risky Businesss?
 
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The Do it yourself approach has been around since the beginning of time. And even today when there is a service or product that can do just about anything for you, there still exists a huge portion of do it yourself enthusiasts who like to do everything from mowing their yard, painting their house, changing oil, and even doing your own investing and retirement planning. And in most cases, doing it yourself saves money. But did you know that the do it yourself retirement planning might actually be costing you money? A recent study by Guardian Workplace Benefits revealed that the 40% of employees who call themselves retirement planning DIYers (do it yourselfers) are falling behind their peers in regards to prioritizing and meeting key financial objectives. Don't forget to Download your Free Retirement Reports here: http://www.RetirementThinkTank.com According to this do it yourself retirement study, 52% of these do it yourselfers cite that all or most of their financial preparedness and education comes through their employers. Overall, the do it yourself retirement planners underperformed on key financial objectives compared to the done for me retirement planners who used financial advisors. For more on retirement planning and to download your free retirement reports, check out: http://www.retirementthinktank.com
Просмотров: 518 Retirement Think Tank
Dr. Doug Carlsen - keys to wealth, savings and finanical mistakes to avoid
 
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http://physicianfinancialsuccess.com Doug Carlsen, D.D.S. retired at the age of 53 after 25 years in private dental practice and clinical lecturing at the UCLA School of Dentistry. Dr. Doug Carlsen retired at age 53 from a 25 year restorative practice. He never produced $1,000,000, yet was able to be financially free at an early age. Doug is now a writer, speaker, and business and personal finance consultant to physicians, dentists, and other medical professionals. Doug shared some of his best advice for dentists and physicians: - The 3 major keys to wealth - The importance of compound interest and having a clear savings plan - The 6 personal habits of super saver dentists and how you can adopt these and improve your financial health - The 3 big financial mistakes to avoid in your 30s and 50s - including the one mistake that can add 5 to 10 more years of work to getting to the goal of retirement. Avoid this one or find a way to minimize its impact! Call (760) 535-1621 to reach Dr. Doug Carlsen http://www.golichcarlsen.com/ Josh Mettle fairwayphysicianhomeloans.com 801-747-1210 NMLS #219996 CA-DOC #219996 Equal Housing Lender Fairway Independent Mortgage Corporation NMLS Entity ID # 2289 1-800-201-7544 Copyright© 2016 eJLM LTD All Rights Reserved
Просмотров: 680 Physician Home Loans
The Shocking Retirement Savings Mistake You're Making
 
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It's important to save for retirement, and 401(k) plans can be a smart place to put your retirement savings. But it's important to use the investment options that 401(k)s provide correctly in order to avoid big mistakes. In the following video, Dan Caplinger, The Motley Fool's director of investment planning, looks at a key mistake that retirement investors are making with target-date funds in their 401(k)s. Dan discusses a survey from Aon Hewitt and Financial Engines that found that more than half don't use target-date funds as one-stop investment choices, instead combining them with other investment options in a way that often leaves them mismatched. As a result, the survey found that investors earn two percentage points less in annual returns than they would with only a target-date fund. Dan concludes that it's important to use your 401(k) properly, understanding the role that target-date funds play and the diversification they offer. Investing made simple: The Motley Fool's essential guide to investing is now available to the public, free of cost, at http://bit.ly/1atRpHZ. This resource was designed to cover everything that new investors need to know to get started today. For your free copy, just click the link above. Visit us on the web at http://www.fool.com, home to the world's greatest investing community! ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Просмотров: 432 The Motley Fool
Employers Workshop | Designing Your Retirement Plan
 
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Don't miss another event- https://www.career-innovate.com/upcoming-events Career Innovations Upcoming Events - https://www.career-innovate.com/upcoming-events Description: A well designed retirement savings program is a critical component of your organization's employee benefit package -- it's also essential to your ability to attract and retain top talent. A well-defined Retirement Plan should: **Help your employees retire with greater confidence and security **Improve operational efficiency & increase employee satisfaction **Focus it's resources on the objectives that really matter to your employees **Simplify your compliance and administrative process Jerel Harvey with Morgan Stanley Wealth Management and Nick Novoselich with Maxus Plan Solutions will lead the discussion. This workshop will discuss: **Strategies that can improve employee participation, increase deferral amounts, and ensure highly compensated employees are maximizing their retirement savings. **Tools and techniques to evaluate all plan benefits including medical coverage and wellness, retirement plans, insurance coverage, and benefit communication and education. **Creative Plan Design Strategies that includes 401(k), Profit Sharing, 403(b), Money Purchase, and Cash Balance Plans. We know that retirement can be some of the most rewarding years of your life, if you properly planned.
Просмотров: 193 CareerInnovations
Americans- Living Rich, Retiring Poor with Professor Michael Granof
 
01:04:58
"I'd like to start off with the good news — and this is about the only good news today. The good news is that you're going to be living longer than your parents or your grandparents," begins Michael Granof. "The question is, can you afford to? For most Americans, the answer is no." Granof, a professor of accounting at the McCombs School of Business with a joint appointment at the LBJ School of Public Affairs, spoke to a sold-out lecture hall at the AT&T Executive Education and Conference Center on March 26, 2014 as part of the Texas Enterprise Speaker Series. Now that the baby boomers are reaching retirement age, the United States draws closer to a retirement crisis. Simply put, the golden years that many Americans have expected may turn out to be more dross than gold.  Retirees may be facing a fiscal tsunami. They have saved far too little in their 401(k) plans to enable them to sustain the standard of living to which they have become accustomed.  The Social Security system, while not in as bad shape as some claim, is unlikely to increase benefits, at least not in the foreseeable future.  The pension plans of state and local governments are significantly underfunded.  Without significant reforms in our health care system that go beyond the Affordable Care Act, medical costs will most probably increase. The ratio of workers to retirees is certain to decrease thereby requiring that an increasing percentage of GDP be directed toward retirees.  We examine the myths and realities surrounding these trends and discuss how they will affect us as both current and future retirees and as taxpayers. Issues that will be addressed include? • Why 401(k) plans have not lived up to their promise • How best to reform public pension systems (and thereby avoid more municipal bankruptcies) • Can you (and your children) expect to receive promised Social Security payments • How reliable is government financial reporting with respect to pensions, Social Security and  Medicare
Просмотров: 47963 McCombs School of Business
Medical Professionals, Retire Early with 3x The After-Tax Income vs Your 401(k) or 403(b) plan
 
03:49
https://retirement-toolbox.com 800-955-7898 Medical Professionals, Are Government Regulations and Taxes getting to you? How about retiring early with 3 times the after-tax income vs. your 401(k) or 403(b) retirement plan? Simply use the secret of the top 10% of America's wealthiest families. It has been known to double, even triple after-retirement income vs. 401(k)s and 403(b) retirement plan. Imagine going from $25,000 per year in after-tax retirement income to $75,000 in tax-free retirement income. The strategy works and it could work for you. The Wealthiest American families use it to avoid taxes and to get rid of stock market losses once and for all. This little known IRS approved strategy that has been called the perfect retirement solution for those who qualify. The Tax-Free Pension Alternative is also known as living benefit life insurance. You or a family member must be insurable to qualify. • You don't lose money when the markets go down, so you are never digging out of an investment hole! • You Share in Market Upside when Markets go up, up to a cap rate currently 13.5% to 16.0%! • You'll Earn Reasonable Rates of Return! • Your Gains are locked in annually, so you never give back profits already earned! • Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter! • You can generate a Tax-Free Income You Won't Outlive! New eBook Explains How It Works. It is available for download at http://www.bruceecoxcpa.com/tax-free-iul-ebook.html • So, if you hate paying taxes and hate even more losing money in the stock market, pay close attention. • If you are worried you won't have enough money to enjoy your retirement, this strategy will help you generate a tax-free income you won't outlive. • If you are rolling over money in CDs because you fear stock market losses, with this tax- free retirement strategy, you don't lose money when the markets go down. • If you have not put enough money away for retirement and need a catch up strategy, this strategy could work for you. • When you recognize the tax-free retirement plan can generate 3 to 4 times more income after taxes than a 401(k) or 403(b) retirement plan, you'll want to replace your retirement plan with the tax-free retirement plan. • If you want to implement a gifting strategy for your children or grandchildren, the tax- free IUL is a vehicle that can keep on giving with a lifetime of tax-free income. • If you like the idea of having a tax-free emergency fund to tap as needed, the tax-free retirement plan is for you. • If you would like to be your own bank, funding big ticket items with retirement funds, paying interest to yourself rather than a bank, this could work for you. Fortunately, the tax-free retirement solution addresses all of the above. http://tax-free-income.com http://dependable-income.com http://retirement-toolbox.com
Просмотров: 458 Bruce E Cox
Smart Money- Choosing The Right Medical Cover
 
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Buying health insurance is like walking a tight rope between price and benefits. Mint's Monika Halan and Bloomberg TV India's Vivek Law help you choose the right medical insurance plan. www.btvin.com
Просмотров: 4187 Bloomberg TV India
Retirement Plan Design Workshop
 
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Career Innovations ONLINE LIVE WORKSHOP Retirement Plan Design Workshop Thursday March 13, 2014 1:00 PM EST WATCH RECORDING- https://attendee.gotowebinar.com/recording/730526877685154306 Visit us at http://www.career-innovate.com OTHER WORKSHOPS- https://career-innovate.com/upcoming-events ABOUT A well designed retirement savings program is a critical component of your organization's employee benefit package -- it's also essential to your ability to attract and retain top talent. A well-defined Retirement Plan should: **Help your employees retire with greater confidence and security **Improve operational efficiency & increase employee satisfaction **Focus it's resources on the objectives that really matter to your employees **Simplify your compliance and administrative process Jerel Harvey with Morgan Stanley Wealth Management and Nick Novoselich with Maxus Plan Solutions will lead the discussion. This workshop will discuss: **Strategies that can improve employee participation, increase deferral amounts, and ensure highly compensated employees are maximizing their retirement savings. **Tools and techniques to evaluate all plan benefits including medical coverage and wellness, retirement plans, insurance coverage, and benefit communication and education. **Creative Plan Design Strategies that includes 401(k), Profit Sharing, 403(b), Money Purchase, and Cash Balance Plans. We know that retirement can be some of the most rewarding years of your life, if you properly planned. Join Career Innovations as we receive insight from Morgan Stanley and Maxus Solutions on designing the most important of your life. Your Future. REGISTER TODAY!!!
Просмотров: 158 CareerInnovations
The Contractors Plan - How It All Works
 
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Government Contractors face unique challenges when it comes to benefits. Make sure you partner with the expert. We've thought of everything. Imagine a flexible suite of medical, retirement and specialty benefits, supported by easy-to-use online tools. Learn more at: http://www.thecontractorsplan.com.
Просмотров: 6324 The Contractors Plan
How to Enroll Doctors | Sponsor Health Professionals in Network Marketing Download
 
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http://DevelopLifestyle.com
Просмотров: 168 p pg
Safe Money - Tips to Retire | NewsWatch Review
 
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To learn more, head to http://safemoney.com today. Subscribe to NewsWatch: http://www.youtube.com/subscription_center?add_user=tvconsumerwatch Safe Money is a company that's dedicated to helping pre and post retirees understand basic retirement principals so they're not misled into using the wrong products or working with deceiving advisors. They offer support and product advice to create the best possible retirement plan for each client, and because they're a smaller organization with a great track record, they're able to give customized advice that's unique to each situation.
Просмотров: 1680 NewsWatchTV
Retirement School @ 37,000 Feet
 
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Have you ever looked at your social security statement and wondered, how is social security calculated? Your social security is calculated based on your working up until your full retirement age. You can retire as young as age 62, but your benefit will be permanently reduced; and there is an earnings limitation between 62 and your full retirement age. But if you’ll delay your social security up until age 70, you’ll maximize your benefit because of the delayed retirement credits. Calculating social security is a 2-step process. First, your average indexed monthly earnings (over your entire career) are calculated. This is done by identifying your top 35 years of earnings, indexing them to today’s dollars, adding them all up, and dividing that number by 420 months. The second step of the process involves factoring, which gives you your full retirement age social security benefit. To find out more about social security and other Federal retirement benefits, watch the full video, or go to www.P2Rproject.com for more free Federal retirement tips, tools and training.
Просмотров: 784 FERS Blueprint Online Retirement Training
Understanding Personal Disability Insurance Policies
 
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An individually owned disability insurance policy is a physician's best option to providing the foundation coverage for a comprehensive disability income protection plan. However, not all plans are created equally. Watch this 15 minute webinar to learn about the important definitions and provisions you need to understand and look for when making a decision regarding your individual policy.
Просмотров: 818 GME Disability Plan
Retired military doctor wins "2014 Country Doctor of the Year" award
 
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Dr. John “Rob” Marsh is no typical doctor. Tirelessness and the confidence to operate alone in a crisis — key requirements for rural physicians — were drilled into him in his previous job as the doctor for the Army’s elite Delta Force antiterrorism unit. Read more: http://www.stripes.com/1.320439
Просмотров: 5725 Stars and Stripes
High-Deductible Health Plan (HDHP) and Health Savings Account (HSA) Basics
 
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A Health Savings Account (HSA) is a tax-free account that can be funded by both employer and employee. Employees own the HSA and can use it for current and future medical costs. Discover what a High-Deductible Health Plan (HDHP) is and how it works with an HSA.
Просмотров: 118357 Wellmark Blue Cross and Blue Shield
Retirement plan alternatives for small businesses, 2014
 
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Michael Gray interviews Phil Price of the Price Company about "Retirement plan alternatives for small businesses" for Financial Insider Weekly. They talk options small business owners have for setting up retirement plans and the administration requirements they should expect. http://www.financialinsiderweekly.com
Просмотров: 512 financialinsiderweek
Video Request-Financial Advice for 30 Somethings
 
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A young couple in their 30's want to have a kid, but have debts to pay off, mediocre savings, and just the beginnings of a retirement plan. She feels as if they should have saved up more, but the Captain reminds her that Gen X'ers never had the economic growth necessary to save for retirement and they're doing just fine for their peer group.
Просмотров: 5733 AaronClarey
AT&T Retirement Option through AON Group - Opinion only
 
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This is my personal opinion about the lack of opportunities in the market being offered to AT&T retirees that are eligible for Medicare, since the brokerage firm hired to represent them only offers one or two plans in any given market. And they're not the most cost effective plans for the seniors. For an independent review, contact 1-800-729-9590 http://SeniorSavingsNetwork.org I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 22069 Christopher Westfall
One in Four People Have More Medical Debt Than Savings...
 
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This video is about the effects of the rising health care costs here in America. It is getting so out of hand that 25 percent of Americans owe more money in medical debt than they have saved up in any kind of emergency fund or savings plan. For more on everything retirement, including your Free Retirement report, check out: http://www.retirementthinktank.com This issue regarding medical debt is even more problematic among lower income earners. Here are some of the results from the Bankrate.com report: 44 percent of people making $33,000 or less have medical debt that exceeds their emergency savings fund 25 percent of people making between $33,000 and $75,000 have medical debt that exceeds their emergency savings fund 6% of people making above $75,000 have medical debt that exceeds their emergency fund Finally, the Bankrate.com report revealed that a whopping 55 percent of Americans say that they are either "very" or "somewhat" worried about medical debt in the future. If you don't have insurance in place, we recommend you check out http://www.healthcare.gov Finally, do learn more about retirement income, and to download your free retirement reports, check out: http://www.retirementthinktank.com
Просмотров: 598 Retirement Think Tank
NOVA House Call Physicians-Doctors Making House Calls In Northern Virginia
 
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Doctors Making House Calls in Northern Virginia www.novahousecallphysicians.com NOVA House Call Physicians provides comprehensive home-based medical care in order to minimize the need for hospitalizations, re-hospitalizations or early placement in long-term care facilities, such as nursing homes.We provide our homebound clients with convenient, quality In-Home medical care in the comfort, privacy and safety of their own place of residence. Our Home Care Physicians will provide you with a wide spectrum of the highest quality personnel and medical care available. We are a Medicare provider, and accept most Medicare Advantage and private insurance plans in addition to traditional Medicare. If you regularly require in-home health care services or have physical or mental conditions which make it difficult for you to leave your home you may qualify for a NOVA physician house call services. We serve home-bound seniors in assisted living, independent living, retirement communities, senior apartments, and private homes. Our In-Home Medical Services include, but not limited to: Comprehensive review of your medical history and Medications In-home physical examinations and ongoing treatment of chronic medical conditions Medication management and medication refills Referrals to in-Home physical therapy and specialized In-Home rehabilitation services Coordination of all home care services and medical equipment Community placement consultations Physician review for authorizations (Home health authorization,Medical equipment authorizations,Diagnostic testing authorizations) EKG Annual Flu Shots and Immunizations Our Service Areas Annandale,Arlington,Ashburn,Burke,Centreville,Chantilly.Clarendon,Dale City,Fairfax City,Fairfax Station,Falls Church,Fredericksburg,Greater Alexandria,Great Falls,Herndon Kingstowne,Lake Ridge-Occoquan,Leesburg,Lorton,Manassas Park Manassas, McLean,Mount Vernon,Oakton,Old Town Alexandria,Reston,Springfield,Stafford Sterling,Spotsylvania,Tysons Corner,Vienna,Woodbridge
Просмотров: 468 NOVA House
Retirement Plans - HDFC Life & Health - Sar Utho Ke Jiyo
 
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Planning a retirement can be a tough task. HDFC Life and Health now makes it easy for you. Retirement planning is just a click away now. Watch this video to understand how this can be done. To know more about HDFC and it's policies and plans for retirement, visit our website https://www.hdfclife.com/retirement-and-pension-plans Or log on to Facebook: https://www.facebook.com/HDFCLife Twitter: https://www.twitter.com/HDFCLife
Просмотров: 552 HDFC Life
Retirement    Funny How Things Change
 
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Retirement... isn't it funny how things change? My husband Mike is a baby boomer, born just 13 days into the start of the most rapidly growing and successful generation in the history of the world. That generation is now moving into retirement and facing issues with the economy, benefits and medicine that most are likely not prepared to encounter. Maybe the first and foremost concern for you as you pass by the 65-year-old level is the concern for personal health, medical services availability and long-term care. One day you go to bed thankful for the best healthcare in the world, only to wake up to a new concept in the delivery of medical services. Funny how things change. A promise that was made when you were young is now in danger of being taken away, because our government lives without a budget. For many, the accomplishment of our children entering college was a dream come true. We didn't blink at the fact that many colleges were charging more for an education than the graduates would make in a year. Funny how things change. Years pass quickly and the burden of helping repay college loans cut into your savings and your incomes as you worked to help your kids keep their heads above the rising debt. And then there are our parents. Most lived longer than expected to and needed support and care. It is and was not uncommon that we faced the need to provide money for personal care and nursing homes. Kids and parents... expenses we gladly paid out of our incomes and savings. You're familiar with inflation and the cost of living. Like many seniors, we are concerned about our month-to-month expenses... and those with retirement portfolios worry about outliving their money. For those with no nest egg... the situation is even bleaker. Funny how things change. Used to be that benefits and salaries kept up with inflation. Retirement plans that once were the stable backbone of retirees are now under-funded and in danger of folding without notice. Today the stock market is somewhere in the 16,000 range. Heady stuff, if you've been in it for any length of time... but it was just a few years ago that it plunged. It came back, but with everything happening in the world... do any of us feel comfortable with our investments? Funny how things change. The once government bond has lost its shine. Do we still believe that our government cannot or will not go bankrupt? It's easy to look at the world and see storm clouds on the horizon. For a huge number of retirees and soon-to-be retirees, it now means working well past retirement age. The greater percentage of your generation does not have sufficient incomes to sustain the lifestyles they lived prior to retirement. So, what happens? You begin to feel old. The dream of retirement and growing old gracefully begins to fade and you replace your once active lives with inactivity. Funny how things change. For many seniors, life is changing once again. With problems come opportunity. With additional free time comes the chance to learn new skills... although many are less computer savvy than the younger generations, you still rate very high in overall intelligence. You can and will compete! What can you do? First, refocus! You're not helpless. You're able to do far more than work as a greeter, or doing some mundane job making minimum wages. Have you replaced dreaming of the future with fretting about the future? If so, then it's time to change the way you think. Inventory your abilities and determine that you're not going to lose this fight for financial and mental freedom. When you change your focus from victim to victor, you will change the direction of your life. But that's for next blog in this series. Hey, thanks for hangin' out with me this far. This blog is more wordy than I intended. In my next blog, I'll tell you how my husband and I changed the playing field and how we are winning the battle. Funny how things change. Last year we thought we would outlive our savings by a significant number of years. Now we think that won't happen unless we live to be over 100! If you'd like to receive the next blog via email, you can click on the button at the top of this video, and I'll send you the next several blogs dealing with strategies for the retired person. If you'd rather not give out your email, then you'll find the next blogs on the web site address listed below. God bless you today and bring you health and abundance. I am Marlene Sparrow and, until we meet again, I am in His service and yours. Marlene Sparrow M&M Prosperity Team marlenesparrow@gmail.com
Просмотров: 1644 Marlene Sparrow
David Alemian - Physician Disability and Critical Illness
 
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Contact: David Alemian www.PhysiciansRetirementPlan.com. Tel.(760) 231-8788 Email: David@PhysiciansRetirementPlan.com When critical illness strikes, it can be financially devastating for almost anyone. When doctors are hit by a critical illness…, it can be particularly hard, because for doctors a critical illness can be a career changing event. Hi, I’m David Alemian and welcome to another edition of The Alemian File. You may have heard me talk about what I now call The Alemian Retirement Killers Taxes, Inflation, Major Medical Illness, Market Losses and late start to saving due to medical school bills. Any one of these can financially kill your retirement plans. Today I’m going to talk about major medical illness. These illnesses can kill your retirement during your working years, or they can kill your retirement later on during your retirement years. And there are two types, there are critical illnesses which for this conversation we'll call heart attack, stroke, Cancer, .........ALS disease, ..........blindness, .......end-stage renal failure, or ........major organ transplant …… the big three being heart attack, stroke, or cancer. And then there chronic illnesses, that requires long term care…… the inability to perform two of the six ADL's. Today I'm going to focus on critical illness, and I'll talk about chronic illness in a future episode. You’re a doctor, you know more that anyone that critical illnesses can come out of nowhere and strike without warning. Let me ask you a question… What would happen if You were the one who is stricken with a critical illness, in mid-career. Think about it , you spent all those years in medical school, and in training and building your practice, and then all of a sudden through no fault of your own… It’s over. Because for medical reasons, you could no longer practice medicine. What would happen? How would it impact you and your family? For many of you this would be such a financially catastrophic event that you don’t even want to think about it. The sad truth is that statistically, some of you who are watching this will one day lose your ability to practice medicine, because of a critical illness. Well, that's why you have disability insurance right? But do you have enough? Chances are you don't, ........because with all the other expenses and overhead many doctors go under insured when it comes to disability. So what's the solution? You could build it into your retirement plan by re-directing where you’re putting some of your retirement money and put it into a new type of life insurance called life insurance with a critical illness rider. This type of retirement savings vehicle is making huge gains in popularity largely because of the safety, security and tax-free retirement income that is also associated it. That being said, I’m still amazed that many insurance agents, financial advisors and CPA’s still aren't familiar with it. So what is life insurance with a critical illness rider, anyway? This is life insurance that you don't have to die to take the death benefit. If you are diagnosed with a covered critical illness, you can actually take the death benefit from the life insurance policy, even though you are going to live. With one company that I know of, .......up to $1,000,000 cash tax-free, another company up to 1,000,000 1/2 dollars cash tax-free. You could have two of these policies from two different companies, and if you suffered a critical illness you could have up to two and one half million dollars in cash tax-free, if the policies were big enough. More than enough to launch a new career should you so choose to start one. These types of policies should be part of every retirement plan, because they provide financial protection for you and your family during your career, and then provide tax-free retirement income during your retirement. If you have questions about this or any other retirement issues, send an email to Questions @ The Alemian File .com I'm David Alemian and Thank you for watching.
Просмотров: 49 David Alemian
When is the Best Time to Retire?
 
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www.SafeMoneyAdvisorsusa.com (866) 609-3232 Get Whiteboard Animated Videos like this one for your business here: http://www.jilladdison.com/get-monthly-videos-for-a-low-monthly-rate You might be asking yourself, "When should I retire? Should I retire early or defer it?"Deciding when to retire may not be one decision but a series of decisions and calculations. For example, you'll need to estimate not only your anticipated expenses, but also what sources of retirement income you'll have and how long you'll need your retirement savings to last. You'll need to take into account your life expectancy and health as well as when you want to start receiving Social Security or pension benefits. You'll also want to consider when you'll start to tap your retirement savings. Each of these factors may affect the others as part of an overall retirement income plan. Contact us today to receive a FREE retirement plan that will help you determine the best time for you to retire. http://youtu.be/Q226KtWW_r8
Просмотров: 135 SafeMoneyAdvisorsUSA
BSN Headline News for March 3, 2014
 
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Today's top story is Bon Secours Health System has selected Fidelity Investments to become the new service provider for the Bon Secours Retirement Savings Plan. Everyone's interested in retirement, so listen up. This will affect you. But it's good news. Effective July 14, 2014 all Bon Secours Retirement Savings Plans currently with VALIC will transition to Fidelity Investments. Why? Well, Bon Secours believes that Fidelity will offer employees an even better way to plan and prepare to meet our financial goals and investment objectives for retirement. Next question...so what exactly is changing? Well, not much really. The overall plan design will remain the same. Obviously some of the investment options in the Plan will change...but the majority will transfer to Fidelity and remain unchanged. There will be some new features offered by Fidelity. Features like... -Leading-edge online planning tools -Excellent customer service -NetBenefits, your online Fidelity account Website -NetBenefits Smartphone app -Easy-to-understand communications and education, and -One-on-One consultations. And while the change is scheduled to occur in July 2014, there is nothing extra you need to do. Or maybe we should say that employees should continue to access their plan accounts or obtain information as you currently do via VALIC or your local VALIC financial adviser. Now there will be a two week period just prior to the transfer when service will not be available. This break in service is to facilitate the transfer...but until then it's business as usual. As we get closer to the transfer date, details will be finalized. For instance, in late Spring all Bon Secours employees can expect to receive a letter with a calendar of events...among other things. So... what do you do until then? Well, right now there is no action required by employees in terms of the transfer to Fidelity. Naturally, you may want to review your accounts to ensure everything is correctly transferred. But again as we approach the July transfer, more information will be coming out. Now, if you have questions, you can always contact the Retirement folks at BSHSI_RetirementBenefits@bshsi.org. Also, meetings to outline the details of the transition and to provide some general investment and retirement planning strategies will be held by Fidelity in early summer. Oh, and details and local schedules will also be provided in the transition materials. Retirement planning is one of the most important benefits you receive from Bon Secours and the Plan is not changing, just the service provider. Again, the effective date is July 14, 2014. So stay tuned, we'll get you more information as soon as that information becomes available. In other news, Our Lady of Bellefonte Hospital has unveiled their new OLBH Heart Failure Clinic. The clinic is located on the hospital campus on the second floor of the Human Motion Vitality Center. The goal of the Heart Failure Clinic is to improve the quality of life of patients with heart failure and increase their function and capabilities to allow them to remain in their homes and return to a normal life. The OLBH Heart Failure Clinic provides patients who have been hospitalized with heart failure issues... a quick appointment at the clinic within a week of being discharged. Patients are provided comprehensive education and an assessment during each visit. According to clinic nurse practitioner Debbie Martin, APRN, "Caring for heart failure patients can be challenging and time consuming. For this reason, we're happy to offer the clinic and its experts to area residents whose lives have been affected by heart failure." OLBH cardiologist Yogendra Prasad, M.D., serves as the clinic's medical director with support from Debbie Martin, APRN and Tiffany Malloy, RN. For details go to Our Lady of Bellefonte Hospital's website at www.careyoucantrust.com or bshsi.org and find Bon Secours Kentucky Health System under Facilities. Bon Secours Our Lady of Bellefonte Hospitals new Heart Failure Clinic. One more way we are good help to those in need. Finally, dateline Suffolk Virginia. On February 24, 2014 Bon Secours Health Center at Harbour View announced the expansion of the Millie Lancaster Women's Center to include an additional mammography room with 3-D mammography technology. This is the latest in innovative ways to assist doctors in examining breast tissue.
Просмотров: 142 BonSecoursHealth
The Retirement Miracle Presentation
 
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Order you Free copy of The Retirement Miracle written by best selling Author Patrick Kelly. www.retirementplanningstore.com/safe-money.html
Просмотров: 4478 Hopwood04
Give yourself a distinct advantage over 401(k)s - 412(e)(3) Retirement Plans
 
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When you compare and contrast tax items, administration cost, fund fee drag and overall product performance, you'll seriously consider adding fully insured defined benefit plans to your inventory of retirement strategies. Keep in mind the approved product for this plan in non-FINRA annuities and life insurance. Nationally recognized 412((e)(3) expert Nick Paleveda, MBA J.D., is interviewed by talk show host and syndicated financial columnist Steve Savant on "Let's Get Down to Business." http://youtu.be/bLCWxs4-uC0
Просмотров: 2648 Ash Brokerage
Diane's Funny retirement tribute song
 
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Funny farewell video made by operating theatre staff in the UK for a colleague retiring, set to Gloria Gaynor's "I will survive". Made with laughter all the way.
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Long Term Healthcare Could Be A Major Risk To Your Retirement Planning
 
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In this video, financial advisor and President and Managing Executive of MJP Associates, Brian Vendig discusses 'Long Term Healthcare Could Be A Major Risk To Your Retirement Planning' For more information or to connect with Brian, view is GuideVine profile: https://www.guidevine.com/financial-advisors/new-york/brian-vendig/545256029283a43125000011 No content published here constitutes a recommendation of any particular investment, security, portfolio of securities, transaction or investment strategy. To the extent any of the content published as part of the Services may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. This video is for informational purposes only and are not a substitute for personalized advice. Consult your advisor about what is best for you. GuideVine is not a registered investment adviser or broker-dealer and does not offer investment advice. It's important when you develop a retirement plan that we look passed the traditional areas. Which is, what are the assets that I've accumulated? What are my expected in living expenses? As a result, the math sometimes becomes very simple to say, "Oh, this is the withdrawal that I need. As a result, this is the investment strategy I need to support those withdrawals." The reality is, longer term rising cost of healthcare and other medical cost that are out there in the future really need to be considered as part of the plan now and not let those things become part of the discussion later. I think it's important to work with an advisor to make sure that that's something that it can be part of your retirement plan and something that you look for proactive solutions are now versus waiting later. Without taking appropriate planning in this area, the "what can go wrongs" could come up in life and potentially distort some of those other retirement plan objectives if this isn't appropriately cared for.
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Money Awesomeness: Retirement Savings
 
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SUBSCRIBE TO CORAL: http://bit.ly/CoralSubscribe Are you saving for your retirement yet... you should be! Swapcations: http://bit.ly/1AaWjsx Bad Financial Habits: http://bit.ly/1mG1fgv Clothing Swaps:http://bit.ly/1yrBfLt Calculate the cost of waiting to invest here: http://www.lifestylecalculators.com/cost-of-waiting-to-invest/ _____ FOLLOW CORAL:    Youtube (@TheCoralChannel):  http://bit.ly/CoralSubscribe Facebook (@CoralDIY): http://bit.ly/CoralDIYFb Twitter (@CoralTV): http://bit.ly/CoralTwitter Instagram (@CoralTV): http://bit.ly/CoralInsta    And be sure to visit on the web at http://bit.ly/CoralWeb _____ Playlists Watch more Sara Lynn here: http://bit.ly/DomesticGeekList Watch more Candice here: http://bit.ly/EdgyVegList  Watch more Eva Redpath here: http://bit.ly/FitInTheCity  Watch more Sarah Bolen here: http://bit.ly/SurvivingYoga Watch more Home Tours here: http://bit.ly/HomeTourPlaylist  And be sure to visit our DIY playlist http://bit.ly/CoralDIY
Просмотров: 2588 Coral
David Alemian - Protection From Market Losses
 
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Contact: David Alemian www.PhysiciansRetirementPlan.com. Tel.(760) 231-8788 Email: David@PhysiciansRetirementPlan.com Doctors tell their patients that if they take risks with their health, .....over time they’ll most likely end up in poor physical health. I’m here to tell you that if you take risks with your retirement money,.... over time you’ll most likely end up in poor financial health. Hi, I’m David Alemian and welcome to another edition of The Alemian File. Market losses are one of the biggest reasons that so many doctors are not prepared for retirement. If you have been following the Alemian File, then by now you should know that Market Losses are one of the Alemian Retirement Killers. Think of Wall Street as the largest casino in the world. You can win in the short run, but in the long run you will probably lose. Is there a place for stocks and mutual funds and other risky investments in your retirement plans? Yes, but only AFTER the key word here is AFTER you have enough retirement savings put away in what are known as safe-money vehicles. Let me ask you a question with an obvious answer. Should you go to Las Vegas and then come home and try to figure out how to pay your bills? Or should you pay your bills first, and then if there is money left over go to Las Vegas? Right........Pay your bills first. When it comes to retirement most people go to Las Vegas first, because Wall Stree is the largest Casino in the world I’ll get right to the point…. you’re a doctor, you don’t have that much time to save for retirement, because got a late start in your career. You spent so much time in medical school, then building your practice paying off all that medical school debt. The bottom line is, you have very little time to put away enough money for retirement. You can’t afford losses. You hear financial advisors say, Don’t worry about losses, just stay in the market, the market always comes back…. The truth is, the MARKET has all the time in the world to come back, but unfortunately YOU don't, time is not on your side.... and if you listen to those who tell you to put your financial future at risk in the markets you probably will lose. So let's get to the solution. My philosophy is this. Let's figure out exactly how much money you are going to need for retirement. The Alemian File episode on Inflation will give you a good idea on how to calculate how much you’ll need. Then let's lock that money down safe solid and secure so that no matter what happens that money is there for you. I’m going to give you the Key to the puzzle right here.... I’ll give you more in depth information on this in future episodes, or you can email me with questions if you like. Here it is. Use a Properly structured, equity indexed universal life insurance policy with critical and chronic illness riders as your primary savings vehicle. If the market goes up you will get a reasonable rate of return, on average between 8 and 9%..... if the market goes down, you’ll still get up to two percent, depending on the policy..... The money compounds and grows tax-deferred.... and when it comes out, ....it can come out in a lifetime income stream that is tax-free... That one step will protect you from market losses. It will also protect you from financial losses caused by major medical illness, taxes and inflation. I’m showing how to protect yourself the retirement killers. We’re not done yet. Coming up in the next episode of The Alemian File is what to do about getting a late start to savings. How do you make up for lost time? In a word?.... Leverage In the next episode of the Alemian File I am going to bring you a powerful retirement saving concept. This is something that only a handful of people in the entire country have even heard about and it’ll be right here on The Alemian File. Remember to send your questions about retirement to Questions@TheAlemianFile.com I’m David Alemian, And Thank you for watching.
Просмотров: 51 David Alemian
How Medicare Works in Retirement
 
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Learn more at www.FinancialEngines.com. The road to retirement includes a healthy you. As you know, Medicare begins at age 65. Certain health conditions and other criteria may qualify a person for Medicare before that age. You must sign up three months before your 65th birthday. You should know the government won't remind you about this important deadline. Medicare has four parts and it covers the majority of your medical expenses. You can buy supplemental insurance to cover some of the things Medicare does not cover. Unfortunately, there are still medical expenses not covered by Medicare or supplemental insurance. Your savings may be the answer to paying for these uncovered expenses. But that means you have to protect your money and manage it carefully so cash is available when you need it. We can help you manage your nest egg now to cover medical expenses later. Video for information purposes only. ©2014. Financial Engines, Inc. All Rights Reserved. No distribution rights granted. Financial Engines® is a registered trademark of Financial Engines, Inc. Advisory services are provided by Financial Engines Advisors L.L.C., a federally registered investment advisor and wholly-owned subsidiary of Financial Engines, Inc. Financial Engines does not guarantee results and past performance is no guarantee of future results. Please note that the information presented on this website is for educational purposes only and does not constitute investment advice or an offer to buy or sell any security or insurance product. Videos utilized on this site should not be construed by any existing or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.
Просмотров: 6527 FinancialEngines