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RETIREMENT PLAN FOR DOCTORS/PHYSICIANS
 
06:18
Here is the best retirement plan for doctors/physicians, dentists and other professionals. NO RISK AND NO TAXES.
Просмотров: 559 John Medwin
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: 805 David Alemian
THE BEST RETIREMENT PLAN FOR DOCTORS/DENTISTS
 
31:43
If you are a dentist or a doctor, there is a better form of retirement plan for you. Here is a specialized plan just for doctors and dentists.
Просмотров: 457 John Medwin
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: 314 David Alemian
Planning your retirement fund? Here are 5 things to consider
 
18:39
Saving up for retirement is not easy, but depriving oneself today is not the way to do it. Factors such as inflation and unexpected medical bills should be considered when building a retirement fund, a financial planner said.
Просмотров: 727 ABS-CBN News
Retirement Plans: Last Week Tonight with John Oliver (HBO)
 
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Saving for retirement means navigating a potential minefield of high fees and bad advice. Billy Eichner and Kristin Chenoweth share some tips. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Просмотров: 10023383 LastWeekTonight
Retirement Planning in Your 40's - Financial Planning Advice for Retirement - 5 Smart Moves
 
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Here are the smart financial moves you need to make in your 40's to keep your financial life on track. Download the 8 Steps to Organize & Optimize Your Financial Life: http://bit.ly/OrganizeAndOptimize. Scott Weiss is a Fee-Only Certified Financial Planner. Subscribe to my channel: http://bit.ly/scottweisscfp ******************************************** Learn more about working with Scott at Weiss Financial Group Here: http://www.weiss-financial.com ******************************************** Subscribe to my blog: http://www.mahopacmoney.com ******************************************** Get Social -------------------------------- LinkedIn: https://www.linkedin.com/in/scottgweiss Facebook: https://www.facebook.com/WeissFinancialGroup Twitter: https://twitter.com/_scottgweiss ******************************************** Video Notes: ---------------------- You’ve got some important work to do in your 40’s to get your financial life in order. Here are the smart financial moves you need to make right now. THE SANDWICH GENERATION Once you hit your 40’s you may be “sandwiched” between taking care of your kids and your elderly parents or relatives. This stage of life is often referred to as the sandwich generation. TIP: Maintain Planning Efforts Despite Additional Stresses With increased financial pressures, you’ll want to try and maintain your retirement planning efforts in the face of these stresses. Here are the 5 smart moves to make SMART MOVE #1 MAINTAIN YOUR EMERGENCY FUND TIP: Make This a Top Priority! Make your emergency fund a top priority. With all your responsibilities at this stage in your life the importance of your emergency fund increases. Read my blog post on emergency funds to help you figure out what you need and how to maintain it: https://mahopacmoney.com/2016/02/02/how-big-should-your-emergency-fund-be/ What's an Emergency Fund? An emergency fund is a stash of money set aside to cover the financial surprises life throws your way. These unexpected events can be stressful and costly. Some of the top emergencies people face include Job loss, medical and dental procedures, and insurance deductibles. SMART MOVE #2 ADD TO RETIREMENT SAVINGS TIP: Make Sure You Are Contributing Regularly Make sure you are regularly contributing to your 401(k) or other retirement savings vehicle. Hopefully you’ve already been doing this, if not, get going. You want to be putting aside at least enough to get the company match but your ultimate goal really should be to max out your contributions. SMART MOVE #3 CREATE A COLLEGE FUND TIP: Don’t Dip Into Retirement Funds to Pay for College You may have teens or pre-teens at home, and if you have not yet considered creating a college fund that can grow and compound over time, now is the right time. You should not dip into your retirement fund to pay for their college educations, no matter how onerous college loans may seem. SMART MOVE #4 CHECK YOUR INSURANCE TIP: Life Insurance & Consider LTC as You Get Closer to 50 Make sure you have proper coverage or if adjustments need to be made. Also, you may want to start considering long term care insurance particularly as you get closer to age 50 SMART MOVE #5 START ESTATE PLANNING TIP: Update Your Will and Consider Trusts The rule of thumb is that if you're acquiring assets like real estate or cars, which is probably what you are doing in your 40’s, then it’s time to start thinking about your estate. You definitely want to have will and you may want to consider a trust. For a more detailed explanation of what wills and trusts can do for you, watch these videos: What is a Will: https://www.youtube.com/watch?v=XqaDQK8g6U4 How Trusts Work: https://www.youtube.com/watch?v=5ifFpehHjJQ Sources: --------------- 1. This material was prepared, in part, by MarketingPro, Inc. Disclosure: ------------------- Weiss Financial Group is a registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities product, service, or investment strategy. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser, tax professional, or attorney before implementing any strategy or recommendation discussed herein. Insurance products and services are offered through individually licensed and appointed agents in all applicable jurisdictions. The advisers at Weiss Financial Group are not attorneys of a law firm but can provide guidance to the client’s other professionals. Leave me a comment to ask any question or contact me through my website if you'd like to see if I can help you.
Просмотров: 20924 Scott Weiss, CFP
Finance Your Retirement Plan
 
05:09
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
Physicians Retirement Program- Special Retirement Programs Only Available To Doctors!
 
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For more information on the Physicians Retirement program. Click Here: https://www.peakfinancialcorporation.com/physicians-retirement-program/ The Physicians Retirement Program details how physicians can experience having their retirement account flourish, while keeping their finances under control.  In addition, we can teach you how to overcome high retirement taxes, prevent you from running out of money in retirement and even protect your assets from malpractice lawsuits. We help physicians understand their financial situation first, then we customize a comprehensive plan that fits you and your family's priorities, needs and budget. If you already have a plan in place, we will analyze your current plan and compare it to our strategy. Next, we will show you the likelihood of both plans lasting into retirement.  After you understand where you are and where you are going, we will work with you to implement your tax-free retirement plan. Then, we will review and adjust along the way to ensure your goals match the income you need. For more information on the Physicians Retirement program. Click Here: https://www.peakfinancialcorporation.com/physicians-retirement-program/
Просмотров: 4264 Jay Peak- Peak Financial Corporation
Northern California Kaiser Physician Retirement Summary
 
02:48
An overview of the retirement plans available to Kaiser Physicians in Northern California Kaiser locations Related Videos: A primer on collecting Social Security Benefits https://www.youtube.com/watch?v=jUgtP... Working with a financial planner https://www.youtube.com/watch?v=4-gWejQ5oZE&t=4s Ever wonder what would happen if your 18-year-old child who you groom to go to college decides to take a shot at being in a band instead of your alma mater? Click the link below to see an often overlooked option. https://www.youtube.com/watch?v=kATSI... For Business Inquiries: rschultz@nwfadvisory.com For Financial Advice: http://robschultzwealth.com Rob's Social Media: https://www.linkedin.com/in/robert-sc... http://www.facebook.com/pages/Robschultzwealth/348653711908080 https://twitter.com/rschultzwealth About Rob Schultz: Rob Schultz has developed a practice of working with established physicians who are now located throughout the country. He began working with physicians over 10 years ago, providing financial advice and services from residency through retirement. He has developed trusting relationships that mature with their growing practices. As a recognized and frequent speaker at residency programs in Southern California, San Francisco, Nevada, and Arizona, Rob is always current on the challenges facing physicians. Financial plans are unique to each physician and his or her area of practice. The typical client relationship encompasses a comprehensive initial meeting to assess the client's goals and needs. Recommendations are made to lead the client down the path of accomplishing those objectives. A comprehensive investment plan is then implemented and risk management analysis is performed. After the initial planning, ongoing monitoring is recommended to keep up with changing market conditions, tax code, and the client’s personal situation.
Просмотров: 2517 RobSchultzWealth
Two Retired Doctors--- The Two Most Important Life  Elements
 
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One doc lives on $75K and the other $300K. Who is happier?
Просмотров: 1374 DrDougCarlsen
Steven Podnos MD, MBA, CFP(R)  on Common Physician Retirement Planning Mistakes
 
05:06
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
Tax Free Retirement Planning
 
12:35
Tax Free Retirement Planning - At http://BarefootRetirement.com we offer the most powerful tax free retirement plan in America. Our plan is great for retirement planning for physicians, retirement planning business owners or tax free retirement savings for anyone. Do you have a tax free retirement plan? If not, why? Do you think taxes are going up? Most experts believe tax rates will soar. Our tax free retirement savings plan is 100% tax free. Your funds grow tax free, you can take them out at any time tax free, and with no penalties or fees. All of your funds are tax free when you retire. When you pass away, your remaining funds pass to your heirs 100% tax free. To find out more about this very little known, yet powerful strategy, give us a call at: 866-480-7784. You can also get a free copy of our new, best selling book titled, The Barefoot Retirement Plan. Over 100,000 copies have already been downloaded and the book is changing lives. Get your free copy now at: http://barefootretirement.com/book #tax free retirement planning #tax free retirement savings #tax free retirement plan #retirement planning for physicians #retirement planning business owners #tax free retirement strategy #tax free retirement system #tax free retirement solutions #tax free retirement vehicles #tax free retirement video
Просмотров: 1843 Barefoot Retirement BarefootRetirement.com
Leverage a Report about Physician Retirement
 
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Would you like a tool to grab physicians' attention. Dr. Vicki Rackner shows you how to leverage a report about physicians' retirement preparedness published by the AMA Insurance Agency.
Просмотров: 500 Vicki Rackner
How Much Should You Budget For Healthcare In Retirement?
 
04:09
Check out http://MoneyEvolution.com for more videos, articles, and other free financial education resources. One of the top questions that we get asked all the time is, "How much can we anticipate "healthcare costing in retirement?" I think this is really very significant, because I think this obviously could be one of our largest expenses that we have in retirement. J.P. Morgan actually came out with a really nice paper on this. It's called Healthcare Costs in Retirement. And if you search the internet, you should be able to find this. It's about 12 to 15 pages long. But what I wanted to do here today is just share with you a couple of highlights from this. So probably not a big surprise to most people, but healthcare continues to be one of the top concerns for many people as they go into retirement. It's also one of the fastest growing expenses as well. According to the J.P. Morgan report, from 1982 to 2014, healthcare grew at an average rate of 5% per year. So that's faster than every other spending category except for the cost of education. And as we get older, the cost of healthcare becomes more significant as well. They go on to say that Americans over the age of 75 consume almost twice as much healthcare as they did between the ages of 65 and 74. So obviously, as we get older, not only is healthcare going to go up, but our need for healthcare is gonna go up as well. So how much do we estimate for healthcare costs? Well, it gets kinda broken down into two parts. One is if you're talking about healthcare after age 65, after you become eligible for Medicare, and then how much does healthcare cost if you retire prior to age 65 and you've gotta go out into the Exchanges. So first of all, let's talk about Medicare. So according to this J.P. Morgan report, they said a traditional Medicare plan with prescription drug coverage, comprehensive Medigap policy, plus dental and vision would cost an average 65 year old about $4660 per year. They go on to say, too, though, that the costs may triple between the ages of 65 and 85. As we get older, as healthcare costs go up, that's going to get a lot more expensive. And of course, if you're married, if you've got a partner, you're gonna double those figures because $4660 covers just one of you under the Medicare plan according to this report. Now what about if you retire prior to age 65 before you're eligible for Medicare? Well according to the online Kaiser Family Foundation calculator as of April 2016, premiums for a 64 year old non-smoker going out into the Exchanges under the Affordable Care Act, a silver plan with no subsidies will average about $8420 per year, or about $701 per month is what that works out to be. And that's a policy that has some pretty high potential out of pocket expenses, as well. $6660 to be exact, is the maximum out of pocket for that policy. So that's not even necessarily a policy that covers a whole bunch of things. And again, if you're married, you've got a significant other, you're gonna basically double those numbers. So if you retire prior to age 65 and your employer doesn't cover any healthcare, you're going to have to go out into the Exchanges, you're going to have to get healthcare on your own, and it's going to be pretty expensive. If you think your employer offers any kind of healthcare in retirement, definitely look into that. Talk with your employer, talk with your HR department, and find out exactly how those policies would work. And also find out if those policies can also cover your spouse or your partner as well. Because those expenses, obviously, can be very expensive.
Просмотров: 1874 Money Evolution
What I wish I had known Before Military Retirement
 
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What I wish I had known Before Military Retirement: This video conveys critical information regarding Military Retirement, and the importance of planning ahead. This can make for a smooth transition into retirement. Retirement is one of the most challenging transitions you can experience. Let's talk about how you can make this transition as smooth as possible. For more information on How To EnrichYour Marriage, check out our Main Channel Playlist NEWHEIGHTS ENRICHMENT: https://www.youtube.com/channel/UC8djEjLzQ7LQ98TAn6vp1vA Let me know what you think by commenting and rating this video! Don't forget to SUBSCRIBE :-) Thanks for watching.
Просмотров: 13099 News And Buzz With Shay
Southern California Kaiser Physician Retirement
 
03:54
Overview of the retirement plans offered to Physicians employed by the Southern California Permanente Medical Group Related Videos: A primer on collecting Social Security Benefits https://www.youtube.com/watch?v=jUgtP... Working with a financial planner https://www.youtube.com/watch?v=4-gWejQ5oZE&t=4s Ever wonder what would happen if your 18-year-old child who you groom to go to college decides to take a shot at being in a band instead of your alma mater? Click the link below to see an often overlooked option. https://www.youtube.com/watch?v=kATSI... For Business Inquiries: rschultz@nwfadvisory.com For Financial Advice: http://robschultzwealth.com Rob's Social Media: https://www.linkedin.com/in/robert-sc... http://www.facebook.com/pages/Robschultzwealth/348653711908080 https://twitter.com/rschultzwealth About Rob Schultz: Rob Schultz has developed a practice of working with established physicians who are now located throughout the country. He began working with physicians over 10 years ago, providing financial advice and services from residency through retirement. He has developed trusting relationships that mature with their growing practices. As a recognized and frequent speaker at residency programs in Southern California, San Francisco, Nevada, and Arizona, Rob is always current on the challenges facing physicians. Financial plans are unique to each physician and his or her area of practice. The typical client relationship encompasses a comprehensive initial meeting to assess the client's goals and needs. Recommendations are made to lead the client down the path of accomplishing those objectives. A comprehensive investment plan is then implemented and risk management analysis is performed. After the initial planning, ongoing monitoring is recommended to keep up with changing market conditions, tax code, and the client’s personal situation.
Просмотров: 1490 RobSchultzWealth
The Alemian File: The Physician's Retirement Plan
 
06:14
You financed your medical education, you financed the purchase of your home, and you financed your car. Why not finance your retirement?
Просмотров: 237 MD Magazine
Retirement Plan Specialists Can Be a Boon to High-Income Earners - Right on the Money - Part 4 of 5
 
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Sub Headline: Often-overlooked benefits can provide big reward to a small segment Synopsis: Highly-paid and taxed professional services providers, including doctors, can benefit from high-impact retirement asset management strategies that are often misunderstood or underutilized. Management of taxes on accumulated assets can ease the burden of managing risk and growth. Content: While many workers are challenged to create enough wealth to retire, high-earning, professional services providers - including doctors and athletes - face the very different struggle of preserving the wealth they’ve already created. Fortunately for them, effective retirement planning that emphasizes tax management can keep them from forfeiting up to 90% of their income over the long term, including estate taxes. In some cases, the high earner in a 40% tax bracket has solutions available that exceed ones provided to those who earn less. Surprisingly, many high-income earners are unaware of or misunderstand the available remedies. By employing the services of a qualified retirement plan professional who knows this niche, tax burdens can be reduced by 50%. Moreover, by effectively managing the tax component in earning and retirement years, earners reduce reliance on the income and investment elements of their portfolio. Managing taxes isn’t even a risk; it’s simply implementing readily available tools. Key to the tax management solution is affiliating with a retirement planner who’s not only experienced with these guidelines, but who also collaborates with knowledgeable CPA and actuarial colleagues. Together, a team of professionals can implement strategies that overcome underutilized or overlooked opportunities. Although defined benefit plans (pensions) are disappearing from many workplaces, they’re being embraced by high-income earners due to the high level of tax protection afforded to participants. In part due to the 2006 Pension Protection Act, contributions of roughly $2.5 million can be shielded from taxes, and when combined with an advanced benefit plan, enjoy unlimited tax protection. Another tax-advantaged strategy is a 401(H) plan, which functions like health savings account, but with added benefits. Not only can pre-tax dollars be set aside to fund anticipated medical expenses occurring in pre and post-retirement years, this plan type allows for carryover or make-up contributions in future years, along with tax-exempt distributions. Additionally, the plan applies to dependent parents living with the contributor. Again, many who qualify do not realize the extent to which they can contribute and shield income from taxes. Well-advised high-income earners also utilize traditional devices like a Roth IRA, which accumulates tax –free and is excluded from conversion taxes and required minimum distributions (RMDs); life insurance, with benefits that pass tax-free to heirs, a cash value that can produce tax-free income, and a long-term care rider; and fixed-index annuities, which provide gains when earned by a designated index, and a guaranteed floor value in the index’s underperforming years. High-income earners whose retirements are more “when” than “if” can leave a lifetime’s worth of earnings on the table if their resources are not managed appropriately. Accordingly, they can be well-served by affiliating with financial professionals who understand their situations, and who routinely diagnose and remedy tax management issues that can otherwise disrupt their retirement portfolio. Syndicated financial columnist Steve Savant interviews top retirement specialists in their field of expertise. In this segment we’re talking to economist, best selling author, registered investment adviser and masters of science in financial services Dan Casey. Right in the Money is a financial talk show distributed in daily video press releases to over 280 media outlets and social media networks. (www.rightonthemoneyshow.com) https://youtu.be/ehFGZsS-M3s
Просмотров: 1152 Right On The Money Show
Seminar - Financially Sound Retirement Planning for Physicians
 
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Indexed universal life Financially sound retirement plans Long term investment opportunities Changes in health care and volitility in the market place Need to evaluate tax and retirement planning Sensible flexible approach
Просмотров: 64 RAFStrategies
Retirement Planning For The Self-Employed !
 
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Recent studies show that most self-employed Americans are saving little, if anything, for retirement. Why? Excuses include a lack of steady income, paying off major debt, healthcare, education, and business expenses. But when the future depends on you, making an investment in yourself is worth it. The retirement saving options most preferred by self-employed workers are solo 401(k)s, SEP IRAs and SIMPLE IRAs. The solo or individual 401(k) is like a traditional 401(k), but it’s for sole business proprietors with no employees other than a spouse who works for the business. It permits contributions as both the employee and employer, which means higher limits than many savings plans. In 2014, the employer could save $17,500; or $23,000 if over 50 years old, plus an additional 25% of net income up to a maximum of $52,000; or $57,500 if over 50. A simplified employee pension, or SEP IRA, suits individuals and businesses with employees. A SEP IRA can be opened at just about any bank or brokerage. The business owner can contribute up to 25% of each employee’s income, up to $52,000. When making a contribution, the owner must contribute for every employee. Since employees do not make contributions, the plan is most popular with one-person businesses. Savings incentive match plan for employees, or SIMPLE IRAs, are like SEP IRAs, but the employees can make contributions. The employer must contribute dollar-for-dollar up to 3% of each eligible employee’s contribution, and 2% for those who don’t contribute. In 2014, contribution limits of $12,000 -- $14,500 if over 50 -- and the matching requirement made SIMPLEs best for those with no employees and incomes of less than $45,000. Read more: Retirement Planning For The Self-Employed - Video | Investopedia http://www.investopedia.com/video/play/retirement-planning-selfemployed/#ixzz3tNDhtOTG Follow us: Investopedia on Facebook
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Best Retirement Plan - Thommichan Tips 34 - Malayalam
 
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For Our Services: https://goo.gl/nvd2Xz "i" jalakam Workshop Registration: https://goo.gl/vJQiQc Supporting Document: https://goo.gl/kvagrY CEO Insights: http://bit.ly/AboutDiazInvest Email Subscription: https://goo.gl/UpTfgR YouTube: https://goo.gl/5kXKRb Facebook: https://goo.gl/y7PgLR തൊമ്മിച്ചൻ ടിപ്പ്സിലെ വീഡിയോസ് താങ്കൾക്ക് ഉപകാരപ്രദമായി എന്നുതന്നെയാണ് ഞങ്ങളുടെ വിശ്വാസം. താങ്കളുടെ ഒരു സഹായം ഞങ്ങൾ അഭ്യർത്ഥിക്കുകയാണ്. താഴെകൊടുത്തിരിക്കുന്ന ലിങ്കിൽ ക്ലിക്ക് ചെയ്യ്ത് ഡയസ്സ് ഇൻവെസ്റ്റിന്റെ Google പേജും ഫേസ്ബുക് പേജും റിവ്യു ചെയ്യാൻ. Google Page: https://goo.gl/maps/AhoAeGpS3E32 Facebook: https://goo.gl/y7PgLR ഞങ്ങൾ അർഹരെങ്കിൽ *5 സ്റ്റാർ* തരുവാനും, ഞങ്ങളെക്കുറിച്ചുള്ള നല്ല അഭിപ്രായങ്ങൾ രേഖപ്പെടുത്തുവാനും മറക്കരുതേ...
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Doctor Asks Patients to Fund His Retirement?
 
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The Doctors weigh in on the physician who asked his patients to help pay for his retirement. Do they think this was appropriate? Subscribe to The Doctors: http://bit.ly/SubscribeTheDrs LIKE us on Facebook: http://bit.ly/FacebookTheDoctors Follow us on Twitter: http://bit.ly/TheDrsTwitter Follow us on Pinterest: http://bit.ly/PinterestTheDrs About The Doctors: The Doctors is an Emmy award-winning daytime talk show hosted by ER physician Dr. Travis Stork, plastic surgeon Dr. Andrew Ordon, OB-GYN Dr. Jennifer Ashton, urologist Dr. Jennifer Berman and family medicine physician and sexologist Dr. Rachael Ross. The Doctors helps you understand the latest health headlines, such as the ice bucket challenge for ALS and the Ebola outbreak; delivers exclusive interviews with celebrities dealing with health issues, such as Teen Mom star Farrah Abraham, reality stars Honey Boo Boo and Mama June and activist Chaz Bono; brings you debates about health and safety claims from agricultural company Monsanto and celebrities such as Jenny McCarthy; and shows you the latest gross viral videos and explains how you can avoid an emergency situation. The Doctors also features the News in 2:00 digest of the latest celebrity health news and The Doctors’ Prescription for simple steps to get active, combat stress, eat better and live healthier. Now in its eighth season, The Doctors celebrity guests have included Academy Award Winners Sally Field, Barbra Streisand, Jane Fonda, Marcia Gay Harden, Kathy Bates and Marisa Tomei; reality stars from Teen Mom and The Real Housewives, as well as Kris Jenner, Caitlyn Jenner, Melissa Rivers, Sharon Osbourne, Tim Gunn and Amber Rose; actors Jessica Alba, Christina Applegate, Julie Bowen, Patricia Heaton, Chevy Chase, Kristin Davis, Lou Ferrigno, Harrison Ford, Grace Gealey, Cedric the Entertainer, Valerie Harper, Debra Messing, Chris O’Donnell, Betty White, Linda Gray, Fran Drescher, Emmy Rossum, Roseanne Barr, Valerie Bertinelli, Suzanne Somers; athletes Magic Johnson, Apolo Ohno and Danica Patrick; musicians Tim McGraw, Justin Bieber, Clint Black, LL Cool J, Nick Carter, Kristin Chenoweth, Paula Abdul, Gloria Gaynor, La Toya Jackson, Barry Manilow, Bret Michaels, Gene Simmons and Jordin Sparks; and celebrity chefs Wolfgang Puck, Guy Fieri and Curtis Stone.
Просмотров: 2471 The Doctors
The Physician's Retirement Plan: Another Look
 
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The purpose of the physician’s retirement plan is to provide you with a retirement income to fully support your current lifestyle throughout retirement, without the risk of running out of money.
Просмотров: 81 MD Magazine
How To Plan For Retirement
 
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"How to Plan for Retirement". A simple guide to help you retire with peace of mind. PST: Hello, its me, Professor KnowItAll... and yes, I'll be giving you the very best tips so you can retire with peace of mind... EXP: Hello Professor, are you now an expert on that topic? PST: Of course... EXP: Oh, OK, so you're all ready for retirement? PST: Of course! I'm ready! EXP: So then, you have money saved? PST: Well, not exactly but I have a plan... I will live with my kids... EXP: Living with your family during retirement can be very gratifying, but surely you don't want to be a burden on them...Did you know that people in the United States, on average, live 20 years after they retire? In general, people need almost 80% of what they earn in order to live comfortably after retiring That's a lot of money, so you'll definitely need a good plan in order to get there. OK, don't panic yet. It's never too late to start or even too early. Let me tell you what you should do so that the next time, you can give people good advice. PST: Sounds good. EXP: Professor, according to the Consumer Action Handbook, the first thing is recognizing the importance of saving for retirement. The three most common options are: One: Pension benefits, offered by some places of employment. Two: Savings and investments, started by you. Three: Social Security, which is the Federal Governments retirement plan. Now, if you're still working, find out if your place of employment offers a pension plan and how it works. Some companies also offer a 401k plan. PST: Four 01 what? I've never heard of that truck, but mine is newer... EXP: I'm not talking about vehicles here, I'm talking about retirement plans in which, if you save, your company will match a percentage of the contributions you make. PST: Oh, that's like free money. EXP: Exactly. Sometimes you impress me, Professor! In order to plan well for retirement, you must consider what types of expenses you'll have, whether you'll work or not, if you'll have additional medical insurance, or if you'll have costly hobbies, like traveling. There are many things to consider, so you may want to consult a financial expert for help. PST: Yikes, I'm feeling dizzy... EXP: Professor, you can also ask for help and get tips from the following organizations: AARP, American Savings Education Council, Department of Labor Securities and Exchange Commission, Social Security Administration PST: Ufff...I'm feeling a little better now. EXP: Professor, this is all about saving not spending... Better yet, let me remind you to visit USA.gov or in Spanish at GobiernoUSA.gov where you can learn more about all of this and other interesting topics for consumers. And remember, you can also order your free "Consumer Action Handbook "...
Просмотров: 45702 USAgov/archive
Retirement Planning : Requirements for Early Medical Retirement
 
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The requirements for early medical retirement should be discussed with a human resources director or with the people who deal with social security. Find out why a doctor is needed for early medical retirement with help from a licensed insurance agent in this free video on retirement planning and personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
Просмотров: 821 ehowfinance
Financial Issues Impacting a Physicians Retirement Years.wmv
 
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What does one of the oldest fee-only advisory firms in the country recommend physicians do for retirement planning? In this webinar, Gary Pittsford, CFP® and Michael Kalscheur, CFP® of Castle Wealth Advisors review big issues that will have a significant impact on your retirement years. This includes: • Retirement Income Security • Growing & Protecting your Net Worth • The Dangers of High Investment Fees and High Taxes
Просмотров: 79 Medicus Healthcare Solutions
Retirement Health Insurance Before Medicare
 
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What do you do when you retire before you are eligible for Medicare? To download your FREE 401(k) 10-Point Checklist For Baby Boomers visit: http://retirementplanningmadeeasy.com/401krollover Here's the problem: if you retire before you are eligible for Medicare, you have to find health insurance coverage. Here are 4 good options: 1. Consider COBRA if you are eligible. 2. See if your former group coverage has retiree health insurance up until age 65. 3. Consider a part time job with an employer that provides health insurance to part-timers. 4. Consider an individual health insurance policy under the new Obamacare guidelines. The best choice for you will depend on your situation. So check out all the options to see what works best for you. You can check out more of my videos and articles at: http://retirementplanningmadeeasy.com/ And to download your FREE 401(k) 10-Point Checklist For Baby Boomers be sure to visit: http://retirementplanningmadeeasy.com/401krollover 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: 7388 Retirement Planning Made Easy
David Alemian - Rural Health Clinics Retirement Benefits
 
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www.PhysiciansRetirementPlan.com. Contact: David Alemian Tel. (760) 231-8788 Email: David@PhysiciansRetirementPlan.com How Healthcare clinics can save money by financing the retirement benefits for their physicians and executive employees.
Просмотров: 82 David Alemian
Why Should I Use a Health Savings Account (HSA)?
 
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Why Should I Use a Health Savings Account (HSA)? Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 107283 The Dave Ramsey Show
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
5 Biggest Retirement Planning Mistakes
 
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For more information go to http://retirementnewstoday.com/ 5 Biggest Retirement Planning Mistakes
Просмотров: 70190 Sequence Media News
Post-Retirement Health Insurance 101 - Hallmark Channel
 
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Senior Vice President at Physicians Mutual, Bob Gunia visits Home & Family to talk about getting your post-retirement health plan in order before you retire. He offers a variety of suggestions, including knowing your window of eligibility to avoid late filing fees. fees. Find out more here: http://www.hallmarkchannel.com/home-and-family/what-you-may-not-know-about-insurance-for-retirement/
Просмотров: 1458 Hallmark Channel
Which Qualified Retirement Plan is Right for You?
 
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Webcast: November 25, 2014 - Which Qualified Retirement Plan is Right for You? Saving for retirement is an essential component of a comprehensive financial plan, but it is often difficult to determine which type of retirement plan is best suited to your individual and/or corporate needs. In this month’s free on-demand webcast, OJM principal Jason O’Dell provides an overview of qualified retirement plan (QRP) options and discusses these important considerations affecting your QRP decision and overall financial plan: - QRP ground rules for participants and employers - Contribution maximums - Protection of assets within the QRP - Income taxation on withdrawals and value of tax deferral - Options for hedging against taxes on QRP withdrawals About the Presenter: Jason M. O’Dell is a principal of OJM Group and a co-author of the books For Doctors Only: A Guide to Working Less & Building More and Fortune Building for Business Owners and Entrepreneurs, along with several other books and articles on financial topics. He has experience as an entrepreneur, financial consultant and investment advisor and has been working with high-net worth and physician clients for more than 20 years. Jason has conducted financial planning, asset protection and wealth management lectures throughout the nation and has been recognized by Medical Economics as "One of the Best Financial Advisers to Physicians" and by Cincinnati Magazine as a “Top Wealth Manager.” Jason graduated with a Bachelor of Arts degree in Economics from The Ohio State University and has earned a Master of Science degree with an emphasis in Financial Planning.
Просмотров: 585 OJM Group
Your Best Retirement Plan Video
 
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Просмотров: 357 Bill Kanter
Habits for Financial Health in Residency and Beyond
 
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Time-stamped Agenda (below): Speaker’s Bio (1:27) Framework to Think About Finances (2:18) What Is Financial Planning? (2:54) The Most Basic Financial Principal for a Medical Resident (4:15) Resources to Manage Your Student Loan Debt (4:52) What will my take home pay be? (6:14) How to Start Budgeting (7:06) How to Start Saving (7:19) How to Start Budgeting (8:20) The Cost of Transitions (9:07) The Cost of Board Exams (10:21) The Cost of Interviewing (10:43) How will I afford to live and save during residency? (12:08) How much should I save during residency, and how? (13:53) Did you and your wife live on a single salary and pay loans with the other? (15:45) If Bad Things Happen In Life (17:02) Disability Insurance (17:44) Loan Repayment Rider (21:23) Rent or Own Your Life Insurance? (22:22) The Most Important Thing About Life Insurance (23:30) Credit Card Debt During Residency (24:14) Trick to Using Credit Cards (25:21) Strategy for Credit Card Debt (and Emergency Fund Savings) (25:58) Does cancelling a credit card affect your credit score? (27:03) What is the difference between a credit freeze and a credit hold? (29:33) When does it not work to use the snowball method to pay debt? (32:00) Financial Goals During Residency (33:10) The Line of Insurability (33:20) Building an Emergency Fund (33:50) Saving to Buy a Home (33:57) Determining Your Goal Retirement Age (34:32) Timeline for Financial Independence (35:19) How to Determine What You’ll Need During Retirement (35:50) Your Compound Interest: Rule of 72 (37:06) Retirement Objective (38:21) Monthly Savings Required to Retire (39:16) The Value of Saving Now (39:29) Example of Starting Early versus Not (40:22) Types of Retirement Savings Accounts (41:42) Employer Sponsored Plans 401(k)/403(b)/TSA (42:06) Individual Retirement Accounts (IRA) (42:59) Roth IRA and Roth 401(k)/403(b)/TSA (43:47) Best Way to Save While in Residency (45:10) Questions to Ask About Employer Sponsored Plans (45:22) How many residency programs provide a match? (46:08) If there is no employer match are Individual or Roth IRA’s better? (47:00) What percentage of income should a resident attempt to save? (48:18) Which does a resident do first: save, invest, or pay off student loans? (48:52) Should a resident purchase a home to avoid high rent costs? (50:25) Risk of Buying a Home (50:59) Mortgage Loan Programs (54:06) Mortgage Programs for Physicians (54:45) What does a mortgage for a physician look like? (57:00) Which is better: A Roth IRA or a Roth 401(k)? And an IRA or a 401(k)? (58:28) How can you grow money and not pay taxes on the growth? (1:00:26) What is a resident’s preferred order of investment? (1:02:54) Are Tax Deferrals Possible in a Health Spending Accounts (HSA)? (1:03:06) How do you protect yourself if there is market downturn? (1:04:05) Which is better: A personal IRA or an employer sponsored IRA? (1:07:43) Create Your Financial Calendar (1:08:33) Develop a Financial Ritual (1:10:30) Who and how to build a team of professional advisors? (1:12:47) Don’t Make This Mistake (1:14:38) Wisdom from Buffet – Earnings, Spending, Savings, Risk and Investments (1:16:16) Should you have life insurance if there are no dependents? (1:20:25) Which is first (if there are no dependents): life or disability insurance? (1:21:01) What do you need: a CPA, a CFP or a Financial Advisor? (1:21:20) What happens to your investments when you transition jobs? (1:26:26) Possible ways to lower the rate on credit card debt? (1:27:44) How does a resident have time for their financial life? (1:30:16) Seth Smith’s Contact Information (1:31:45) Closing Remarks (they are really good!) (1:31:50)
Просмотров: 1387 AAMCtoday
Greenbook: Financial Planning For Doctors www.DoctorsFortress.com
 
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Greenbook is a unique Financial Planning program designed specifically for Doctors. Our integrated Financial Planning program has been helping Doctors achieve Financial Independence sooner with Less Risk for over 30 years. Give us a call at 623-255-5180 or check out our website for more details at www.DoctorsFortress.com or www.FortressFinancialStrategies.com
Просмотров: 158 FortressFS
New U.S. Military Retirement Plan
 
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Information about the new Military Retirement Plan
Просмотров: 19921 Army NCO Support
Is Your Retirement Plan Tax-Diversified?
 
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Most physicians and business owners have much of their retirement planning dependent on the “retirement plan” at their business or practice. Nonetheless, many OJM Group clients are not optimized in terms of the type of plan and contribution formula they are using. Further, many also ignore valuable options beyond retirement plans – from fringe benefit plans to non-qualified plans and more. This webcast will cover: - The basics of qualified plans: what you need to know about defined contribution, defined benefit plans and IRAs, including 2015 contribution limits - Alternative options, including fringe benefit and non-qualified plans - The importance of tax diversification in all long-term wealth planning ------------------------------------------------------------------------------ ABOUT THE PRESENTER: David B. Mandell, JD, MBA is a principal of OJM Group. David is an author, former attorney, and renowned authority in the fields of risk management, asset protection and financial planning. As a writer, David co-authored several books for John Wiley & Sons, Inc., the oldest book publisher in the U.S. and the leading business book publisher in the world. Titles include Wealth Protection: Build & Preserve Your Financial Fortress and Wealth Secrets of the Affluent: The Keys to Fortune Building and Asset Protection. David has also written ten books for physicians, including For Doctors Only: A Guide to Working Less & Building More, and state-specific versions of the book in California, Ohio, Georgia and New York. David also penned Risk Management for the Practicing Physician, a Category 1 CME-certified monograph with five editions since 1998. In addition to his books, his articles have appeared in over 30 leading national publications, including The American Medical News, Physicians Money Digest and over 20 regional or specialty medical publications, as well a number of general business periodicals. David has addressed numerous local and national organizations, from national medical associations to entrepreneurial organizations and meetings of attorneys, CPAs and financial professionals. David holds a bachelor’s degree from Harvard University (Cum Laude). He earned his law degree from the University of California Los Angeles’ School of Law, where he was awarded the American Jurisprudence Award for achievement in legal ethics. While at UCLA, David also earned a Master’s Degree in Business Administration from the Anderson Graduate School of Management.
Просмотров: 291 OJM Group
David Alemian - Inflation  Physician's Retirement
 
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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: 110 David Alemian
How Physicians Build Massive Retirement Wealth - Peak Financial Corporation Partnered With Reib Law
 
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For More Information Please Visit: https://www.peakfinancialcorporation.com/physicians-retirement-program/ Physicians Can Build Massive Retirement Wealth With Peak Financial Corporation Who Has Partnered With Reib Law. National Best Selling Author And Physician Wealth Advisor Jay J.P. Peak Explains How Physicians Can Protect Their Retirement Accounts From Stock Market Losses and Malpractice Lawsuits. Also Physician Legal Expert Scott Reib Discusses How To Shatterproof Your Retirement Accounts From Creditors and Predators. For More Information Please Visit: https://www.peakfinancialcorporation.com/physicians-retirement-program/
Просмотров: 9266 Jay Peak- Peak Financial Corporation
Tax-Free Retirement for Physicians Springfield, MO
 
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Tax-Free Retirement for Physicians, visit http://physicianstaxfreeretirement.com to get instant access to a FREE copy of Patrick Kelly's National Best Seller, "Tax-Free Retirement". Get insider secrets now!
Просмотров: 585 tmmunsco
The Alemian File: The Retirement Plan for Your Kids
 
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One of the main financial concerns physicians face is saving for retirement. This week, David Alemian looks at how physicians can alleviate that concern for the next generation.
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Tax Efficient Retirement Planning - Steve Savant’s Money, the Name of the Game - Part 2 of 2
 
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Sub Headline: Collectively Taxes Are the Largest Expense in Retirement; So Managing Them is a Must Synopsis: Medical and long term care costs are significant, but not as large as taxes. You can’t do much about heath and eldercare costs, but you can do a few things to mitigate taxes in retirement. Watch the video interview entitled The Math & Science of Optimal Retirement Planning, part 2 in the series Tax Efficient Retirement Planning with retirement expert and certified financial planner, Chris Jacob. Content: There are four tax free items to consider for retirement planning: Health Savings Accounts, Roth IRAs, Reverse Mortgage Income and Cash Value Life Insurance. In addition, these four items are not included in the provisional income test for Social Security benefit taxation. Cash value life insurance has four policy platforms to choose from based on your financial suitability, risk tolerance and time horizon hold positions: Participating Whole Life, Universal Life, Indexed Universal Life and Variable Universal Life. The policies must be designed with the least amount of death benefit, complying with the TAMARA provisions that regulate cash value policies designed for accumulation. Conservative investors may consider participating whole life or universal life. More moderate investors may consider indexed universal life. And more aggressive investors may consider variable universal life. The most popular policy platforms are partipating whole life and indexed universal life. Participating whole life is based on interest rate performance of its bond portfolio and annual dividend declaration. The dividend in this case is a return of unused premium. Indexed universal life is based on call options paid by the annual interest rate credited from its bond portfolio. If the options are profitable the gains are credited to the policyholder’s account. If the call options are not exercised, then the account generates zero, but not a loss. The tax-free income from these types of TAMRA compliant policies are generated in two forms: withdrawals to basis and collateralized policy loans of gain. To maintain the tax-free status of the policy, it must remain in force for the life of the policy insured. Contributions from the book Index Investing in this press release are used with permission from Light Bulb Press. Syndicated financial columnist, talk show host and popular platform speaker Steve Savant interviews Chris Jacob and features Optimizing Your Retirement Plan. Steve Savant’s Money, the Name of the Game is an hour-long financial talk show for financial professionals distributed online in 5 ten-minute video press releases Monday through Friday through Trans World News 280 media outlets, social media networks and industry portals. (www.lifesizesolutions.com) https://youtu.be/-FFBdTJLmzE
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Retirement Income for future inflation and medical costs | Mike Riedmiller | Nebraska Retirement
 
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For details visit: http://SmartMoneyPlanning.com Call Mike Riedmiller at 402-904-7575. He is a Fiduciary Financial Advisor, Best-Selling Author and President of Riedmiller Wealth Management. He co-authored the best-selling book "The Road To Success" (Amazon best sellers list in 2016) with Jack Canfield and other professionals from around the world. Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Riedmiller Wealth Management 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 Riedmiller Wealth Management 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. The Road To Success, Amazon best sellers list in 2016 Nebraska financial advisors Omaha Nebraska and Lincoln NE retirement planners Nebraska, Iowa, Missouri, Kansas 401k rollover Annuity payouts, lifetime income IRA transfer Nebraska
Просмотров: 147 Mike Riedmiller
A Smarter, Safer and More Complete Alternative Retirement Plan To a 401k or IRA
 
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The Best Plan You Never Heard Of is a Smarter, Safer and More Complete Alternative Retirement Plan to a 401k or IRA or a 403b. Keep all of your Gains and incur none of the Market Losses and create a long term, tax free retirement income stream. And get Long Term Care insurance for free!
Просмотров: 10893 FixYourPlan
HOW TO RETIRE IN THAILAND: The Book
 
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The link: http://www.thailandretirementhelpers.com/how-to-retire-in-thailand-and-double-your-income/ A comfortable retirement on a fixed income in a warm, safe, friendly country? Where can I retire like that? In Thailand, where the Government’s retirement services are designed for people on fixed incomes like Social Security. But can you retire on Social Security alone? Well, rents here run from $80–$280/mo., eating out 3x day costs $8 – total, and a large bottle of premium beer is $1.70. The warm weather encourages T-shirts and shorts year-round, the people are the friendliest on earth, and the streets are safe, even late at night. In the book you'll learn.. * How to live in comfort and beauty on a fixed income...starting now * Why your income doubles when you get to Thailand (hint: buying power) * How much you'll pay for quality for medical and dental care * How to earn money legally in Thailand the moment you arrive * How to understand Thai culture and fit in * How to use the Thai Government retirement services * How to pay for your entire trip and your accommodation * How to save 50% on your air fare Plus Useful Charts, Step-by-step Checklists, Detailed Budgets that fit Social Security incomes, and Helpful Guides to Preparing and Moving to Thailand.  And you'll receive up-to-date maps, useful reviews and smart tips to help you get started. Amazingly comprehensive and extremely helpful. I worked out a detailed budget before I left home. – Krisztina Perematoni, Berkeley, CA, USA. I wish I'd read 'How to Retire in Thailand' before I started planning my retirement. I would have cashed out much sooner. – Steve Parkes, Goulburn, Australia Unless your pension's over £40,000 you ought to read this book. It opened our eyes to possibilities we never dreamed of. – Alpin McDowell, Glasgow, UK. how to retire in thailand, how to retire in thailand pdf, how to retire in thailand ebook, how to retire in thailand book, how to retire in thailand online, how to retire in thailand ebay, retirement, Phuket, retirement planning, Southeast Asia, best places to retire, retirement age, retirement wishes, early retirement, best place to retire, best states to retire, Krabi, Thai language, retirement communities, retiring, Thailand beaches, retirement homes, retirement plans, best retirement states, happy retirement, Thailand Culture, when can i retire, Chiang Rai, retire early, retirement directions, retirement home, retirement plan, Thailand Food, thailand tourism, where to retire, cheapest places to retire, retirement income, retirement living, Thailand Government, living in thailand, places to retire, planning for retirement, teaching english in thailand, thailand hotels, when to retire, retirement advice, Senior Travel, thailand holidays, travel thailand, cheap places to retire, cheapest place to retire, cost of living in thailand, jobs in thailand, jobs in thailand, retirement ideas, moving to thailand, retirement options, top retirement communities, visit thailand, Mae Hong Son, monthly income, teach in thailand, Thailand Politics, top places to retire, great places to retire, retiring in thailand, teaching in thailand, cost of living thailand, most affordable places to retire, thailand cost of living,
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FMC Doctors Want Retirement Age Raised
 
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For more information log on to http://www.channelstv.com
Просмотров: 93 Channels Television