Rick Alford
Rick Alford, CRP


March 2016 Edition

In This Issue:
Happy St. Patrick's Day
Will you have enough retirement income?
If you haven't taken a look at how your retirement plan will be in 10, 20 or 30+ years from now, we can help.

Schedule a complementary Retirement Analysis of your current retirement plan and see how secure your future really is

The 401(k) Scam
In exchange for taking an income tax deduction today, you are using money in which you have no idea how it will be treated in the future.

Essentially, you are borrowing money from the IRS in the hopes that they will treat you fairly when it's time to pay the money back
Dramatic Changes to Social Security Will Affect Future Claiming Strategies for Many Retirees
If ever there were a sense of urgency in ensuring that you are able to get the most they are eligible for under Social Security, that time is now.

The rules now have a defined expiration date. With changes to systems as large as Social Security, good information will be at a premium, and bad information will be prevalent.

Find out how New Social Security Laws  can affect the way you claim after April 29th!
Social Security Timing Class
T here may be retirement benefit strategies available to you that could substantially increase your future payments, but only for a limited time.

Classes available  Thursday evenings at 6:30pm

March 3rd at  WO Haggard Jr. Library in Plano
- or -
March 10th at John & Judy Gay Library in McKinney  

Register online at www.RSVPyes.com
 enter code #360489 or call (800)696-8083
Planning to Retire in 2016?
Here's What to Do Now
If your retirement is in the works for the new year, you don't want to wait until the last minute to prepare yourself for your new lifestyle. Putting your financial house in order sooner rather than later can help you make a smooth transition out of the workforce.

Not sure where to start? Here's a checklist of the bases you'll need to cover if you'll be retiring in 2016.

A Note from the
Accounting Sleuth
Market Down and Attention-Seeking Doomsayers have their Day in the Sun
These unsettling weeks have given investors an opportunity to test their emotions and assess their tolerance for risk. 

Managing one's emotions is the best defense against doing something reckless during a down market Read More

Rick Alford, CRP, CEO
Retirement Solutions