Rick Alford
Rick Alford, CRP


July 2015 Edition

In This Issue:
Happy  Independence  Day America
"Everyone talks about how much you can make in an investment. Does anyone show you how much you can lose?"  
- Rick Alford

T he 5 Biggest Retirement Mistakes!

Ed Slott's 5 Biggest Retirement Mistakes - TheStreet.com interview
Ed Slott's 5 Biggest Retirement Mistakes - TheStreet.com interview

The IUL Cap: Good News or Bad News?
At first glance, the cap appears to be a major downside for Indexed Universal Life (IUL).

On further investigation it proves to be something else entirely. 

A Note from the
Accounting Sleuth
Seven Investing Principles

Bastiat Capital invests in quality companies with a long-term focus, thus allowing our clients and us to sleep well at night.


We break down our investment philosophy to the following seven principles:  Read more...


Understanding Your Annuity
There is a serious shortage of understanding of annuities by the people who can benefit the most: the investing and saving public who have retirement on their minds.
Employers must monitor 401(k) fees, Supreme Court rules
In a move that could brighten retirement prospects for millions of Americans, the U.S. Supreme Court ruled that employers have a duty to keep watch over 401(k) plans to guard against high management fees that can erode retirement savings.  Read More
Market Linked CD July Offerings

FACTS: A deposit of $100,000.00...

  • 5.5 years ago - now worth $145,140.00 (8.21% APY)
  • 7 years ago - now worth $180,140.00 (11.45% APY)
  • 10 years ago - now worth $300,410.00 (20.04% APY)

FDIC Insured Market Linked CD Highlights... 

  • 401k, IRA, 403b, ROTH all qualify!
  • Diversified exposer to 7 different asses classes.
  • Uncapped interest at maturity.

Market-Linked CDs (MLCD) offer principal protection, FDIC insurance and potentially higher interest rates than typical CD's. Instead of a low fixed-rate, MLCDs offer variable interest generated by the performance of the Stocks, Commodities, Currencies or Index, it is linked to.


Watch this informative video then

contact our office for more information. 


Social Security Timing Class
at Collin College
Do you know the 567 ways to claim?
T here may be retirement benefit strategies available to you that could substantially increase your future payments even if you have already begun collecting.

Classes available 
Tuesday or Thursday evenings
July 28th & 30th at 6:30 pm.

Register online at 
enter code # 354663 
or call (800)696-8083. 

Rick Alford, CRP, CEO
Retirement Solutions