Rick Alford
Rick Alford, CRP


October 2015 Edition

In This Issue:
Final Quarter of 2015
10 uses for life insurance most people are missing out on...
At a time when so many Americans are wrestling with how to achieve long-term financial security, people are overlooking one of the most critical tools to meet that goal. 
IRAs without 
Designated Beneficiaries equals a problem or lawsuit waiting to happen.
Every client with an IRA or other retirement account must have a designated beneficiary, or bad things can happen. Among them: stretch IRA being lost; children getting disinherited; or the wrong beneficiaries, like ex-spouses, receiving the funds and other unintended consequences.

A Note from the
Accounting Sleuth
Goldman's Rethink
History tells us that after each correction, a new phase of expansion is set in motion. It might take longer than our nerves allow, but 100% of the time, the indices reach new record highs. 
Why Choose Market Linked CD's? 
Making investment decisions in today's economic environment can be challenging to say the least.
  • Should you be in the market or should you seek safety?
  • Should you risk missing out on the next market rally by keeping you money on the sidelines or risk getting caught in the next market downturn?
Learn more about Safe Money Choices by clicking on the links below.
Market Linked CDs Information for Consumers
The Stock Market Ride. 150% Solution!

FDIC Insured Market Linked CD Highlights... 
  • 401k, IRA, 403b, ROTH all qualify!
  • Diversified exposer to 7 different asset classes.
  • 100% Principal Protected when held to maturity.
Please contact our office  for more information. 

Social Security Timing Class
at Collin College 
Do you know the 567 ways to claim? Which one is right for you?
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
October 27th & 29th at 6:30 pm.

Register online at www.RSVPyes.com
 enter code # 357766 or call (800)696-8083
Rick Alford, CRP, CEO
Retirement Solutions