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Here is the best retirement plan for doctors/physicians, dentists and other professionals. NO RISK AND NO TAXES.
Просмотров: 589 John Medwin
The Best Physician Retirement Savings Plan
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: 820 David Alemian
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: 460 John Medwin
David Alemian - The Physician's Retirement Plan
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
How To Plan For Retirement
"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: 47919 USAgov/archive
Retirement Plans: Last Week Tonight with John Oliver (HBO)
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: 10260477 LastWeekTonight
Retirement Planning in Your 40's - Financial Planning Advice for Retirement - 5 Smart Moves
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: 22060 Scott Weiss, CFP
Tax Free Retirement Planning
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: 1992 Barefoot Retirement BarefootRetirement.com
Early Retirement: 4 Costly Errors Most Early Retirees Make
http://SocialSecurity.RealizeYourRetirement.com -Transcript- Retirement Planning Mistakes: 4 Errors Most Early Retirees Make Hey Everybody, Dieter Scherer here fee-only financial planner and founder of Realize Your Retirement. Today we're talking about the 4 Errors Most Early Retirees Make Mistake #1: Not planning for health insurance costs before Medicare kicks in How are going to pay for health insurance before Medicare kicks in? You generally can't apply for Medicare benefits before age 65. Most people get Health insurance through their employer and porting your health insurance through COBRA is expensive and only available for up to 18 months after you terminate employment. So make sure you have a plan in place to take this into account. Mistake #2: Failure to plan for How much will you need each year? People generally need more during retirement than the often stated 70% income replacement ratio offered up by many as the gold standard. In practice, I usually see most people spending close to 100% of their pre-retirement income. Most people grossly underestimate the amount of money will need each year, especially when they retire early and are much more active with travel and other activities. Mistake #3: Not Owning Equities in your portfolio Simply put, not owning equities in your portfolio will set you up for failure during retirement, especially when you retire early. With interest rates close to zero right now, CDs and bonds will not give you the returns you need to have your portfolio survive all the way through retirement. Mistake #4: Applying for Social Security at the Wrong Time: Most people apply for Social Security as soon as they are eligible. If you retire early it might make sense to take Social Security so that you have a larger income each month, but the fact is you need to consider a whole lot of other factors before you apply. These include how long you are expected to live, whether your spouse is eligible for benefits, how much your spouse and you can expect to receive each month and your other sources of retirement income. To answer these questions I've made a free video course available over at SocialSecurity.RealizeYourRetirement.com, a link will be in the description below. The free course goes through the future of Social Security, the rules of Social Security, and how to maximize Social Security benefits. I hope today's video has offered you some good value, if you have any questions or comments, let me know in the comments below.
Просмотров: 63379 Realize Your Retirement
Which Qualified Retirement Plan is Right for You?
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: 600 OJM Group
Life Insurance in the Retirement Plan
Tom Hegna identifies the wide variety of ways that life insurance can fit into a retirement income plan.
Просмотров: 3384 The American College of Financial Services
Your Best Retirement Plan Video
Просмотров: 370 Bill Kanter
Physician Retirement Planning: What Not to Do
Gilmore Jasion Mahler CPA and Managing Partner Kevin Gilmore helps physicians with retirement planning. Here's one thing he says not to do. Learn more at GJMLTD.com.
Просмотров: 65 Gilmore Jasion Mahler, LTD
Physicians Retirement Program- Special Retirement Programs Only Available To Doctors!
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: 4274 Jay Peak- Peak Financial Corporation
How to create a retirement savings plan
10/18/2017 Webcast: Retirement Planning If you haven’t yet started saving for retirement, here are some tips to help you on your way. Important information For more information about Vanguard funds, visit https://vgi.vg/2AiMgbD to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing. All investing is subject to risk, including the possible loss of money you invest. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss. This webcast is for educational purposes only. We recommend that you consult a tax or financial advisor about your individual situation. Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor. © 2017 The Vanguard Group, Inc. All rights reserved.
Просмотров: 2336 Vanguard
Commonly Made Mistakes - Retirement / Pension Plan | Money Doctor Show Kannada | EP 194
These are the Commonly Made Mistakes While Planing a Retirement or Pension Plan. To Learn Money Everyday, Subscribe to our YouTube Channel - http://bit.ly/2gjv2mu and hit the 🔔 icon to receive regular notifications. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Learn Money in Kannada - http://bit.ly/2Qqhbtg Learn Money in Hindi - http://bit.ly/2zTtmtb Learn Money in Telugu - http://bit.ly/2Rti0Tq Learn Money in English - http://bit.ly/2CvaMKc - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - For Personal Loan, Education Loan, Business Loan, Home Loan, Credit Card, Insurance, Mutual Funds, Property and Tax Advice, JUST LEAVE A MISSED CALL ON IndianMoney.com Financial Education helpline no - #02261816111 Hello Folks, Welcome to IndianMoney.com YouTube Channel! About https://indianmoney.com/ : IndianMoney.com is India's largest Financial Education Company founded by C S Sudheer on September 18th, 2008. IndianMoney.com provides FREE and Unbiased Financial Guidance on all kinds of financial products to ensure that the people are not cheated by agents and salespeople while purchasing Insurance, Loans, Mutual Funds, Stocks and Property. IndianMoney.com was featured by Central for Financial Inclusion as one of the most innovative FinTech companies driving financial capability in India. IndianMoney.com is educating over 20,000 people on phone daily. IndianMoney.com's Financial Literacy Initiatives are recognized by World Bank, Reserve Bank of India, Government of India and various other bodies. IndianMoney.com has set up a dedicated financial education helpline for Karnataka State Police. Mr C S Sudheer Authored a book '" Love Beyond Death " to promote Term Life Insurance in India. Love Beyond Death became a best-seller in the first month of its launch. Keep your Financial Cognizance Up to date with Wealth Doctor App. Download Now: https://goo.gl/zRgieJ Learn to SAVE, SPEND, INVEST and BORROW consciously by just subscribing to our IndianMoney.com channel http://bit.ly/2gjv2mu You can also Visit us at http://indianmoney.com/ Like us on Facebook https://www.facebook.com/pages/IndianMoneycom/165804993477585 Follow us on Twitter https://twitter.com/indianmoneycom Add us on Google+ https://plus.google.com/+Indianmoney Join our network on LinkedIn https://www.linkedin.com/company/indianmoney-com Follow us on Instagram https://www.instagram.com/indianmoneycom/ Thanks for Watching! Be Wise, Get Rich!
Просмотров: 798 IndianMoney.com
Retirement Planning : Requirements for Early Medical Retirement
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: 828 ehowfinance
Planning your retirement fund? Here are 5 things to consider
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: 902 ABS-CBN News
Best Retirement Plan - Thommichan Tips 34 - Malayalam
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...
Просмотров: 21752 Diaz Invest
Retirement Plan Specialists Can Be a Boon to High-Income Earners - Right on the Money - Part 4 of 5
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: 1165 Right On The Money Show
The Alemian File: The Physician's Retirement Plan
You financed your medical education, you financed the purchase of your home, and you financed your car. Why not finance your retirement?
Просмотров: 243 MD Magazine
Why Max Out Your HSA | BeatTheBush
Have you noticed that little thing in your pay benefits such as the HSA account that requires a high deductible health plan? It may see a bit random but this savings vehicle is actually a very useful tool to help you reduce you taxable earnings! Typically, you can use the money in your HSA tax-free for qualified medical expenses. But why should you only contribute what you use in one year? Why not just max it out because you will eventually use this money for medical expenses anyway? Worst case is you contributed too much but you can still take this out of your HSA after 65 and you only have to pay income tax with no additional penalty. It has the advantages of a 401k PLUS being able to use it tax free now on medical expenses. Therefore, this should be prioritized over 401k contributions but AFTER 401k matching. Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Credit Card for Starters Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0 Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q Credit Card Basics How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw Credit Score Less Than 700 Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8 How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg Credit Score More Than 700 How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs 740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc My Credit Score: 848 - Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM Advanced Credit Card Tricks How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8 Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4 Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg Cash Back Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4 Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk 5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4 Max Rewards: What's in My Wallet: https://youtu.be/cmJDFcbjFho How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0 Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo This Channel: BeatTheBush I've obtained a high credit score of 848 out of 850 and I am glad to share the knowledge for everyone. Since 3 years ago, I've started making numerous videos that helped people increase their credit score that are free and accessible to all. Please enjoy my channel. Other Channels: BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY
Просмотров: 52144 BeatTheBush
Seminar - Financially Sound Retirement Planning for Physicians
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
5 Biggest Retirement Planning Mistakes
For more information go to http://retirementnewstoday.com/ 5 Biggest Retirement Planning Mistakes
Просмотров: 70783 Sequence Media News
Doctor Asks Patients to Fund His Retirement?
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: 2520 The Doctors
Webinar: Physician Retirement and Transition Planning
Watch our webinar video about “Physician Retirement and Transition Planning” presented by Manager of Healthcare Consulting at Cirrus, Josh Steinberg. Far too often this important step in a physician’s life is mishandled due to lack of sufficient planning. Watch and learn how to optimize your practice for take-over, and how to properly prepare for a smooth transition into retirement. For more information about transitioning or optimizing your practice, contact us for a complimentary consultation. Phone: 1.800.459.3413 Email: cirrushelps@cirrusconsultinggroup.com Web: http://cirrusconsultinggroup.com/solutions-for-physicians/
What I wish I had known Before Military Retirement
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: 14315 News And Buzz With Shay
The Physician's Retirement Plan: Another Look
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 Retire Early as a Federal Employee!
↓↓ HOW TO RETIRE EARLY E-BOOK BELOW↓↓ http://www.fedretirementplanning.com/how-to-retire-early-as-a-federal-employee/ Too many federal employees have the limiting belief that they have to wait until their 60's to retire. What if I told you that you could retire early, in your 40's even and still do so comfortably? Here's how. ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 23731 Fed Retirement Planning
Are You a Boomer Physician Worried about Retirement?
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
Post-Retirement Health Insurance 101 - Hallmark Channel
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: 1567 Hallmark Channel
How to Retire Early: The Shockingly Simple Math
Enroll in our Personal Finance Masterclass for just $10: https://www.videoschoolonline.com/YTFinance How to retire early - let's break down the steps to early retirement. Take a premium course at http://www.videoschoolonline.com/course-library/ This video shows you how to retire early with shockingly simple math. I've been a personal finance nerd for a while, and the idea of early retirement is really interesting. I'm a huge fan of Mr. Money Mustache who wrote a great article on the shockingly simple math behind early retirement. Since I make videos, I wanted to take his theories and break them down into a digestible video. I hope you enjoy! And like I say in the video, please like and share this video, then leave a comment. What do you think? Is this amazing or crazy? What is your savings rate? What other personal finance questions do you have? I credit a lot of this work/theory to Mr Money Mustache. Read his full article about it here (http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/). Also, check out this cool early retirement calculator (https://networthify.com/calculator/earlyretirement?income=50000&initialBalance=0&expenses=17000&annualPct=5&withdrawalRate=4) Script: Hi, my name is Phil. I’m a video creator and online instructor. I’m also a personal finance nerd. Because of that, I want to create a series of videos that breaks down some of the most mystifying topics that plague our society. In a world where people’s finances are typically locked away and not-talked about, I believe opening up the gates of financial conversation will help everyone live a better and smarter life. In this first video, I want to explain the shockingly simple math behind early retirement - thanks to one of my biggest heroes, Mr Money Mustache. While the ability to retire may seem like a distant and unreachable goal for many, the premise comes down to one thing. You need to invest money so that it earns more money. This could be investing in stocks or bonds, real estate, or any other of investment vehicles. As soon as your investments earn enough money for you to live on each year, you are able to retire. Let’s break it down further to know when you can retire. The most important concept is knowing your savings rate, basically how much you make minus your expenses. If you spend 100% of your income, you will never retire… because you will never be able to invest any money that earns money for retirement. If you spend 0% of your income, you can retire right now… because somehow you are living without needing to make any more money. Between 0% and 100% are a number of savings rates that correlate with the years it will take to retire. For this, let’s assume your annual investment return is 5% (which is conservatively low) and your withdrawal rate is 4%… meaning you spend 4% of your net worth each year. For example, if you have a $1,000,000 net worth, and you live on $40,000. If your savings rate is 10%, you will be able to safely retire after 51.4 years. Safely, meaning you will never run out of money. If your savings rate is 25%, you can retire in 31.9 years. 50%, you can retire in 16.6 years. And if you can somehow save 75% of your income, you can retire in 7.1 years. Now getting to that savings rate might not be easy in our world of societal pressures, keeping up with the Joneses, and bad habits. But you can get closer by making smart decisions, avoiding debt, and living simply. The key take away is… Cutting your spending rate is way more powerful than increasing your income because no matter how much money you make, decreasing your spending will speed up the process. A note, The math behind early retirement works if you are working a minimum wage job or a 7-figure CEO salary. It’s all about the savings rate. So if you want to retire in 10 years, the math tells us that you need to save 66% of your income. Now there is a lot that I didn’t talk about - like how to invest, and how to cut expenses to get to a high savings rate. Those will come in a future video. For now, get excited about the honest truth about retirement (and early retirement at that!)! Let me know what you think in the comments below? Is this exciting or bogus? Until next time… start being money smart. Please subscribe to the channel and leave a comment below! Video School Online: http://www.videoschoolonline.com Courses: http://www.videoschoolonline.com/course-library/ Twitter: http://www.twitter.com/philebiner Facebook: http://www.facebook.com/videoschoolonline
Просмотров: 924464 Phil Ebiner of Video School Online
Retirement Health Insurance Before Medicare
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: 7987 Retirement Planning Made Easy
7 of the Worst Retirement Planning Blunders
Many financial blunders can break someone during their golden years. Here are seven of the worst decisions a retiree can make. First is assuming you will retire at a specific age. In reality, that depends on several factors, many of which are beyond your control. Counting on those final few years before retiring to save can backfire, which is why it’s imperative to start retirement planning early. Next is relying on the advice of friends and family instead of a professional. Assess your situation with an expert. Your buddy may have done well with his retirement, but that doesn’t mean he can guide you. Third is starting Social Security too early. You first become eligible at 62. But the benefits grow every year you delay taking them until you’re 70, at which point they’re almost twice what they were at 62. Fourth is overlooking tax consequences. Most retirement options have specific rules for withdrawing money. Knowing them can save you from penalties and problems that stem from removing money too early or too late. Fifth is not updating your retirement plan. Don’t dump all of your higher-risk equities in favor of low-risk bonds. They won’t sustain your retirement income for 20-plus years. You still need some growth. Sixth is failing to understand distribution. Learn the best times to remove and transfer funds from retirement accounts to personal accounts in order to avoid penalties. Seventh is underestimating future healthcare spending. It’s estimated a 65-year-old couple will incur $220,000 in medical expenses. Read more: 7 of the Worst Retirement Planning Blunders - Video | Investopedia http://www.investopedia.com/video/play/7-worst-retirement-planning-blunders/#ixzz3tNEG0hsT Follow us: Investopedia on Facebook
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FMC Doctors Want Retirement Age Raised
For more information log on to http://www.channelstv.com
Просмотров: 100 Channels Television
Financial Issues Impacting a Physicians Retirement Years.wmv
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
Why Medicare Planning is Important to Retirement - Let's Get Down to Business
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: 1147 Ash Brokerage
Self Directed Retirement for Employer Sponsored Physicians
Medical professionals in the University of California system: Kaiser, Banner, St. Joseph’s, Dignity Health, and Maricopa Medical Center can all avail themselves of an employer-sponsored retirement plan offering a self-directed option. How does a risk adjusted investment strategy totally customized for you and your retirement plan at no direct cost to you sound? Over the past 20 years we’ve seen many clients who simply aren’t allocating their retirement accounts effectively. Mosaic Financial Associates 960 W. Elliot Road, Suite 111, Tempe, AZ 85284 480-776-5920 Securities and investment advisory services offered through NEXT Financial Group, Inc. Member FINRA/SIPC Mosaic Financial Associates is not an affiliate of NEXT Financial Group, Inc. Learn more at http://mosaicfa.com/
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A Smarter, Safer and More Complete Alternative Retirement Plan To a 401k or IRA
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: 10932 FixYourPlan
Steven Podnos MD, MBA, CFP(R)  on Common Physician Retirement Planning Mistakes
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
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Thor Ragnarok: Doctor Strange Scene
Thor Ragnarok, Doctor Strange's appearance in the movie. Imprisoned on the other side of the universe, the mighty Thor finds himself in a deadly gladiatorial contest that pits him against the Hulk, his former ally and fellow Avenger. Thor's quest for survival leads him in a race against time to prevent the all-powerful Hela from destroying his home world and the Asgardian civilization. Buy and watch the movie here: https://goo.gl/VVtCPE ALL COPYRIGHTS IN THIS VIDEO IS PROPERLY OWNED BY WALT DISNEY PICTURES.
Просмотров: 1344551 Moby Ce
Retirement Income for future inflation and medical costs | Mike Riedmiller | Nebraska Retirement
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: 150 Mike Riedmiller
https://www.youtube.com/playlist?list=PLQRz3pmu5cxyRgkyY9WbUC2YolZnqN8Fg http://bit.ly/getallthefacts You’re searching for the answer for the “Simple Retirement Plan?" (“Simple”+”Retirement”+”Plan”) All the Big Financials with ads on TV are saying at the center of the question of “Retirement Planning” (“retirement”+”planning”) is “Money”. And what the fear mongering are pumping at you; breaks down to how much “money” for how long? See the commercials where they get crowds of Tom Sawyers to paint stripes up giant walls and little origami orange rodents telling you to “save money” (“save”+”money”). Who has any “money”? Do you? If you do, do you think they are telling it straight? These are the same advertisers preaching and pitching to you Back in 2008 and. How did these Financials do then? Did that work out for you, then? You looking for a “simple retirement plan”, and fortunately I got one. Finding the “right strategy” for building your “retirement” as in a “retirement worth living”, (“retirement”+”worth”+”living”) that is a “simple retirement” “plan” (“simple”+”retirement”) (“simple”+”retirement”+”plan”)?" If the Strategy their selling you is a “saving ‘money’ now” for retirement spending later, which means for most of us; Robbing "Peter" (your NOW) to Pay "Paul" (Your FUTURE). That’s the wrong strategy. Goal one is not saving money. Goal one is controlling more of the money you are currently earning. Not thinking this way. "You don't know, what you don't know." If you haven’t learned how to structure your “tax liability” to where you are paying the least amount of money possible leaving you with the most amount of earned income in your control, "You don't know, what you don't know." And when you find out, it might be too late Look, if you learned this one strategy of reducing your tax liability by around 50% or more, this would change everything. Let’s say you are 40 years old and plan on working until you are 65. Good luck with that plan! And let’s say you pay $ 25,000.00 a year in income tax, I am saying you would learn how to save $ 12,500.00 a year, year over year and after 25 years you would have $ 312,500.00 keeping money you earned. This is not based upon luck or any market condition. If you are 30 years and that meant 10 more years, you would have $ 437,500.00. If you have a 30 year mortgage and you don’t know how mortgage acceleration works, then you are throwing away 15 years or more of your money because of ignorance. The mortgage companies’ motto is “never smarten up a chump. They look at that money as theirs not yours! Money you earned but you don’t know how to keep. "You don't know, what you don't know." And when you find out, it will be too late. Here is something I bet you don't know? 90% of ALL millionaires built and protected their money in the asset category "Real Estate". 90%! A little over 5%+ make it either inventing or innovating. That leaves 4+% becoming millionaires from investing in stocks and bonds and ALL other asset classes combine! Stock Brokers and the like aren't even becoming millionaires by investing in their own industry! They are taking their commission money (probably from stocks they advised you to buy) and they are investing it in Real Estate! Think about that the next time you think about buying stocks. Okay so what about the Simple Retirement Plan? The key is Education. Learn how the GAME is played! Learn how “the business of your life” should be played! Just to learn these fundamentals would only cost you a couple of thousands of dollars and look what it would mean in real life changing choices Not only that but the money can be reimbursed. Get a “Real Estate Investor Education” (“real”+”estate”+”investor”+”education”). My name is Richard Goldstein. I work for Tactical Strategies.net. I have a blog "Get the Facts, All the Facts To Set You FREE". . I am a senior recruiter for the number 1 rated Real Estate Investor Education in the country. The Curriculum has a Better Business Bureau A+ rating. I recruit two types of folks; ones who want to become “millionaires” in the next 5 years or less. And / Or folks who want to make at least $ 1,000.00 to $ 10,000.00 a month recruiting like I do. And actually if you work with me, I will train so you are going to make a lot more than that. By now you should want to know way more about what I am talking about and that is a good thing because I have a 15 minute video. Click on the info button here on the upper right. You will be directed to where you can give me your name, phone #, and e-mail and by "clicking the 'register' button" requesting me to send you the video. This video changed my life literally. And I think it will yours, too. After you watch the video, I will be available to answer your questions.
Просмотров: 767 RH Goldstein
#166 Holistic Retirement Planning
After my last knee surgery, my doctor told me that I should NEVER AGAIN attempt to run like I have previously. That’s when it hit me, my best days physically are behind me. That was a sobering thought and a bit depressing. Thinking like this has a tendency to affect how we live and can very easily seep into every aspect of life; it could affect how I relate to my family, do my job, or how I view retirement planning. When it comes to retirement...are our best days behind us? Are we approaching a time where we are unproductive, broken, and tired? Dan Miller doesn’t think so! Listen to this episode of the Retirement Answer Man to hear why and to hear my guest Dan explain how to start living a fulfilling retirement now. We’ve got retirement planning all wrong. With the current life expectancy and medical care, we will live longer and healthier in retirement than ever before. This is a great thing but it presents a problem. A problem known as the retirement crisis where many Americans will not be able to save enough for retirement. Because of this very real issue, our cultures main goal in retirement planning is to save and invest and hopefully have enough when we retire. Doing so is stressful and can cause our relationships to suffer. When all we can think about is working as much as possible to provide for the future, we forget to think of the present. When retirement arrives, you are worn out and may have damaged your relationships to such an extent that there is not much to live for. Dan Miller, my guest on this episode, thinks there is a better way to approach retirement planning. Don’t miss it! Why wait for Retirement to start doing what you love? Dan Miller believes that a retirement of ease and relaxation is short lived. Even if you have managed to save enough to lounge on a beach, you may be lacking in purpose. Our purpose is what drives us, what keeps us breathing. If we have built great financial assets and are able to live it up but don’t have a purpose, life becomes depressing. Dan is convinced that the key to a happy retirement is to fill it with financially productive endeavors that bring you joy and ignite your passion. Having these sources of income will relieve much of the stress we often feel in the years leading up to retirement and can save us from the heartaches of misplaced priorities. But why wait until you retire to find those things that make you happy AND earn you money? Dan says we shouldn’t wait, and in this episode, he gives a simple framework to help you find your passion and start pursuing it now. Retirement isn’t a time, it’s a lifestyle. Our culture thinks of retirement as a time when you are free of your lifelong career and hopefully have the financial assets to enjoy a lifestyle you couldn’t previously. While this is true in many cases, it doesn’t have to be. Dan Miller wrote a book entitled 48 Days to the Work You Love. Through this book, he teaches you how to find something that you are passionate about and turn it into a revenue stream. By making a switch from your current career to a job that fulfills you and that you work on your own time you can start living that retirement lifestyle now. Tune into this episode to hear Dan share stories of how people have done this. Holistic retirement planning gives you power. The binary view of retirement as a set time for which we have to plan and save can rob us of our joy and our ability to be creative. A holistic approach to retirement as a lifestyle gives you the freedom to pursue your dreams and passions and express your creativity. You could even start today. This does away with stringent and stressful retirement planning and gives you the ability to live. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [0:27] My best days are behind me! HOT TOPIC SEGMENT [3:06] The problem with retirement. [4:42] Our number one focus is on saving and investing. [5:35] The numbers don’t work. We can’t continue to think of retirement as a time of inaction. [5:49] Thinking of retirement in such a binary way stifles our creativity and ability to problem solve. [7:09] What resources do we have to solve this retirement crisis? [9:23] Most retirement advice you are getting falls short and limits your ability to create a great life. PRACTICAL PLANNING SEGMENT [10:16] Conversation with Dan Miller. [14:00] Why would you wait for retirement to start doing what you love to do? [17:45] If retirement is less of a date and more of a pivot into living your passion, how do you make that change? [20:32] Examples of people following their dreams. [25:11] You might have to change your expectations in order to do what makes you happy. [28:35] Going through the process and finding what you love gives you control of your life. TODAY’S SMART SPRINT SEGMENT [33:50] Listen to Dan Miller’s podcast. THE HAPPY LAB SEGMENT [34:30] We are more creative than we...
Просмотров: 429 Retirement Answer Man
Leverage a Report about Physician Retirement
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?
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: 2311 Money Evolution
Ill-Health Retirement
Emma-Louise explains the process for those qualifying for ill-health retirement.
Просмотров: 1466 NILGOSC
For Physicians Contemplating Retirement
Thinking hanging up your stethoscope and lab coat for good? What will you do next? Chances are, if you are like most physicians I work with, you are looking ahead on what to do next. Let me help find your niche. There are endless opportunities perfect for a physician to continue contributing and working on their own terms. Visit: http://PhysicianFreedom.net/get-help and leave me your comment, question or let's set up a time to talk about your interests, passions and options that are both rewarding and lucrative. Mitchel M.D.
Просмотров: 118 Mitchel M.D.
Why Should I Use a Health Savings Account (HSA)?
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: 128134 The Dave Ramsey Show