Rick Alford

Rick Alford, CRP, President
5700 Granite Parkway Suite 200, Plano, TX 75024
Office 972-731-2539 | Cell 214-762-1905 
 Newsletter
March 2017
 Edition 

Would you like to "Jailbreak" your 401(k)?
Unfortunately, many employees have downsides with their 401(k)s, especially lack of flexibility. They don't have the ability to move money out of their account - unless they change jobs, retire from the workforce, get divorced, or become completely disabled.

What if you had the ability to unlock your 401(k) without disrupting your savings incentives and without penalties?
  • No hardship provision
  • No in-service withdrawal provision
  • No loophole.
Retirement anxiety is gripping America
4 Annuity Benefits You Should Know About

In a recent survey, 60% of baby boomers admitted they were more afraid of outliving their savings than dying.

Learn what you can do to protect yourself from what's apparently a " fate worse than death".
In This Issue
The Social Security 'penalty' that can pay off in the end
Early retirees are warned about imperiling their Social Security benefits by earning too much money from continued work, and k now that collecting a paycheck while receiving Social Security can reduce benefits before a person's full retirement age (FRA).

Furthermore, most think recipients never get that money back.
That isn't true.
The Accounting Sleuth:
Once in a lifetime opportunity

Global economic growth continues to improve, which by our reckoning makes sense. We have had almost a decade of pent-up demand.  According to a Gallup poll, 47% of US workers agree that now is a good time to find a quality job. This is up from 19% in 2012. The intervention of the Fed is no longer required to keep the ailing economy on life-support.  

This is all well and good, but nothing will play a bigger role in the stock market's performance than the implementation of Donald Trump's 15% corporate tax rate and the repatriation of trillions of dollars of corporate profits from abroad. 
Advanced tax time planning: 15 life insurance considerations

Life insurance can be a superb savings asset, but it does carry distinct tax issues.

All conventional saving vehicles serve the same purpose, but the unique feature of life insurance is that it assures a desired accumulation at a specific, but uncertain time. No other savings or investment tool makes such a guarantee.

Here are 15 life insurance tax issues to anticipate in advance of filing time: