Rick Alford

   Rick Alford, CRP
   Certified Retirement Planner
April 2015 Edition
April 2015 FDIC Insured Market Linked CD 

12.84% APY


401k, IRA, 403b, ROTH

all qualify


Diversified exposer to 6 different asset classes


Terms from

5.75 to 7 years


Up to 7% Guaranteed Return





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

Do not put your 

nest egg at risk!

Why do Americans risk their
hard earned nest egg at the
market casino table? 
Reassessing risk
When investing, we generally seek to obtain the highest return possible given the amount of risk that we are able and willing to tolerate. Unfortunately, gauging the degree of risk associated with investments is not always easy. 
Social Security Timing Classes  April 2015
at Collin College

Do you know the 567 ways to claim?  
Which way is right for you?
There may be retirement benefit strategies available to you that could substantially increase 
your future payments, 
even if you have already begun collecting. 

Classes available on Tuesday or Thursday evenings
at the Preston Ridge Campus: 
April 28th or 30th at 6:30pm

Register online at  www.RSVPyes.com enter code #354022 
or call 
Reserve your seat TODAY!
A note from the Accounting Sleuth
T ime in the Market, Not Market Timing

Once the market falls by more than -5%, dire warnings from the market motivate some investors to capitulate and sell out.  If they had any realized gains, they are now writing checks to the IRS.

Will you know what to do the next time the market retreats?

Would you like to have a "Paycheck for Life"?
  • Increase your income for and during your retirement. 
  • Have a guaranteed paycheck you can never out live. 
  • Protection of principal and interest rate guarantee.
Watch this brief video to see how you can take advantage of these powerful money engines and create the piece of mind you've been looking for

Paycheck for Life
Paycheck for Life

Last months most popular topic:
What the Experts are Saying...
     There's a lot of talk out there, but who is worth listening to?
When the topic is your retirement, we have the answer!
Sit in on this  "Retirement Roundtable"   discussion as top experts
share their knowledge and  experience  on how to protect your retirement.

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