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Learn concepts and ideas as featured on
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Happy Monday from Income For Life!
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Matt Nelson, president
Income For Life LLC
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Happy Monday to you! We have made a few changes to our weekly newsletter. Scroll down to check them out and make sure you take a look at the GAO study. It's about time, GAO!
Thanks and have a great week! - matt
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We are often requested to be a featured expert for retirement income planning with other advisers in many media outlets.
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"I simply don't believe that anyone should have the right to lose someone else's money."
- Matt Nelson, president of Income For Life LLC
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Thank you for reading my newsletter. My hope is to add significant and specific value to your retirement planning goals and to share with you our findings of both local and national topics that support our ideas for proper retirement income planning.
My goal with this newsletter is to provide you with updated retirement planning news that we feel could benefit you. If there is a specific topic you would like more information on, simply email your thoughts & ideas directly to me at [email protected] and I will do my best to get it in one of our upcoming newsletters or send it to you personally at no obligation.
Again, thank you for reading and I hope you enjoy the information!
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 ABOUT MATT
Matt Nelson is the president of Income For Life LLC and has been a featured guest of multiple media outlets across the nation and is often requested to be a featured expert to discuss the ever-changing retirement planning landscape.
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Ways To Create Your Retirement Paycheck
Retirement is a complex puzzle of both personal and financial goals, each of which has an impact on each other.
How and where you will spend your time during retirement is directly related to your retirement income - and how you will create your 'Retirement Paycheck'.
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1-877-284-8929
IncomeForLife.org
TWO LOCATIONS
3310 Harrison St.
Topeka KS 66611
(785) 215-8884
7300 W. 110th St.
Overland Park KS 66210
(913) 549-5262
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According to our clients, the answer is quite simple:
"I am so happy we found Matt. We are now finally able to sleep well at night knowing that our retirement planning is safe - and we made some new friends along the way. You guys are simply the best!"
- Mike & Susan L.
"I simply do not know what we did before we found Matt. Working with his team is a DREAM! I just wish we had found them sooner.
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Today's Top National Headlines & Retirement Topics
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2014 Gallup Poll: Retirement Still Top Concern in America
WASHINGTON, D.C. -- A firm majority of Americans, 59%, are worried about not having enough money for retirement, surpassing eight other financial matters.
A majority of Americans have reported being "very" or "moderately" worried about retirement savings every year since 2001, illustrating that saving for retirement disquiets Americans in both good and bad economic times.
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The four-box strategy involves breaking down lifestyle expenses and retirement income sources into two sets of two boxes-and then matching up those boxes to maximize the odds that a retiree's savings supports him or her for life.
Courtesy of MarketWatch
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"We now have the first empirical exploration of fixed indexed annuity (FIA) returns based on actual interest that was credited..."
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Indexed Annuities vs Stock Market
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We have stated many times in the past that if a retiree or near retiree would take a good look at an Indexed Annuity - using their own eyes and their own thoughts - then they would be preaching the gospel of Indexed Annuities from the mountaintops.
The problem is that national media types and the never-ending marketing dollars of Wall Street seem to be determined to keep these products out of your direct line of site.
Why? You decide. Take a few minutes to watch my video that details the comparison between Indexed Annuities vs Stock Market - because numbers do not lie.
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WANT MORE? Download your free comparison report:
Real-World Index Annuity Returns
Written by Goffery VanderPal, DBA, CFP, CLU, CFS, RFC;
Jack Marrion; and David F. Babbel, PhD.
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"With regard to our sample of near-retirement households, the experts we spoke to recommended that the middle quintile households purchase annuities with a portion of their savings..."
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GAO and Annuities - The Study
Why the Government Accountability Office Did This Study: As life expectancy increases, the risk that retirees will outlive their assets is a growing challenge. The shift from defined benefit (DB) pension plans to defined contribution (DC) plans also increases the responsibility for workers and retirees to make difficult decisions and manage their pension and other financial assets so that they have income throughout retirement.
To help people make these often difficult choices, policy options proposed by various groups concerning income throughout retirement include encouraging the availability of annuities in Defined Contribution plans and promoting financial literacy.
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WANT MORE? Click to download the GAO publication
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"At the end of each contract year, the index's ending value becomes next year's starting value..."
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The Benefits of Annual Reset 
There is a little hidden secret inside most fixed annuity products called 'Annual Reset' that most do not fully understand. As we all know, annuities can be a great long-term financial product to save for retirement. They offer tax-deferred growth potential, guarantees to your principal and credited interest, and the ability to take income for life.
Different products have different ways to earn interest. Many fixed index annuities (FIAs), for example, can base their interest potential not only on changes in the market index, but also include an annual reset feature that may offer better interest potential that those without this feature.
With annual reset, the index does not have to make up previous losses in order for the annuity to earn additional interest. Each contract year, the index's ending value becomes next year's starting value.
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WANT MORE? Click to download our publication
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"If you do not want to take any risks but still want to play in the stock market, a good index annuity may be right for you." - Suze Orman
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Annuity Facts & Famous Quotes 
"I may takes risks in life, but I will never risk my money. I use annuities and I never have to worry about my money."
- Detailed recordings of annuities first appeared in published form as early as 1483.
- Annuities were included into our tax code by the Tax Reform Act of 1913.
- Babe Ruth used annuities to avoid the risk of the stock market and thus was not hurt by the stock market crash of 1929.
- In modern history (1913 forward), no one has EVER lost a penny in an annuity because of insurance company insolvency.
- Annuities are the ONLY product that can provide guaranteed retirement income for LIFE.
 "...income annuities can assure retirees of an income stream for life at a cost as much as 40% less than a traditional stock, bond and cash mix. What it means is that retirees who need a nest egg of, say, $1 million, can live the same lifestyle with as little as $600,000 in an income annuity."
- The Wall Street Journal, The Case for 'Income Annuities', August 2007.
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WANT MORE? Click to download our publication
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"The best advice is to work with advisers that understand your retirement income is supposed to last as long as you do..."
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 Ten Things To Know About Retirement
Historically, the United States had three strong legs of the retirement stool:
a well-funded Social Security system, substantial corporate pensions with retiree health benefits and a strong personal savings rate. Unfortunately, the booming population coming of retirement age has changed all that. Now, the responsibility for providing for retirement income has largely shifted away from the government and employers to individuals.
There are many variables involved in creating an income plan for today's retirees. Obviously, with the bulk of the responsibility for providing retirement income shifting to individuals and the asset strategy paradigm shifting to different types of products, there is a steep learning curve. The best advice is to work with advisers you trust to ensure that your financial plan has all of the checks and balances necessary to ensure that your retirement income will last as long as it's supposed to last.
What follows are 10 things to know when planning your retirement. |
WANT MORE? Click to request our publication
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"Is there a way I can hear from actual people that have already purchased an annuity..."
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FREE Annuity Owner Testimonials
Learn what actual annuity owners say - IN PLAIN ENGLISH!
Watch these short videos from actual annuity owners telling their own personal stories why they purchased annuities - and the emotions behind their decisions.
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"It is still easy to see the relative balance between wealth generated and wealth consumed..."
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The U.S. Debt Clock 
The U.S. Debt Clock is an ever-changing website that is constantly updating various forms of both U.S. and global debts
IN REAL TIME. All the debt clocks on this site are updated continuously to the most precise calculations.
and be prepared because it will blow you away.
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"I have a LOT of friends, colleagues and family members that really need to visit with you..."
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The Income For Life Ambassador Program
Are you interested in becoming an Income For Life ambassador?
Want to join a team of nationally recognized professionals dedicated to improving the retirement lives of American citizens - the safe way? If so, we want to talk to you about a 'word of mouth' marketing opportunity in our local area.
Click HERE to send an email to Income For Life LLC to discuss how YOU can become part of our team in your local area (certain restrictions apply).
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