Rick Alford
Rick Alford, CRP

Retirement  Solutions

September 2016 Edition

In This Issue:
Financial Wisdom
"There are two times when a man shouldn't speculate: when he can't afford it, and when he can."
- Mark Twain
Universal Life
Rethinking its role in retirement planning
Did you do a double take when you saw the title of this article? After all, the thought of retirement planning often conjures up the word "investments" - and of course, Universal Life Insurance is not an investment, nor should it ever be referred to as one, despite the fact that the policies have a cash value component.

However, there are key reasons why Universal Life Insurance merits a place in the discussion during the retirement planning process.  READ MORE
A Note from the
Accounting Sleuth

Anemic growth, but recession not on the horizon
In December 2015, the Fed raised the Target Federal Funds rate by 25-basis points, the first such raise since 2006. This raise had nothing to do with an over-heated economy. It had more to do with the Fed's efforts to normalize interest rates after its unprecedented quantitative easing programs.

Under normal circumstances, the current narrowing of the spread between 2- and 10-year notes, to the narrowest range since 2007 should cause us to sit up and take note.    READ MORE
Estate Planning with T. Green Law, PLLC
Wills and Properly Designated Beneficiary Forms
I tell my clients you may never need a divorce attorney, a bankruptcy attorney or even a personal injury attorney, but at some point you will need an Estate attorney as it is inevitable that we will all pass away one day.  So, making time NOW to get your estate plan in order should be a priority READ MORE

Will your retirement income take
"The H.I.T.?"
HealthcareInflation , and  Taxes make up the  H.I.T. - and they're three reasons why your retirement  income may not go as far as you think over time.

Contact our office and we'll show you why some retirement expenses just can't be predicted - and how an annuity with an opportunity for increasing income (either built in or as an optional rider for an additional cost) can be a possible solution as part of an overall portfolio.

Annuities are designed to meet long-term needs for retirement income. They provide tax-deferred growth potential, the reassurance of a death benefit for beneficiaries during the accumulation phase, and a guaranteed stream of income at retirement.

For more complete information about annuities,
contact our office rick@rick-alford.com
Let's talk about Social Security Benefits
The facts may shock you!

Don't let the best opportunity to maximize your benefits pass you by. Join us to learn how making the right choice can impact your financial future, for the better! 

Classes available Tuesday evenings at 6:30pm

September 13th
at the Davis Public Library in Plano
 September 20th 
 at University of North Texas
New campus in Frisco

Register online at www.RSVPyes.com
 enter code #364928 or call (800)696-8083
Rick Alford, CRP, CEO
Retirement Solutions