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Enhancing Income for Today's Retirees

Surviving Retirement: Upcoming Dinner Workshops

<br/><p class="">Colts Neck Inn Steak and Chop House, Thursday, June 1<span style="font-family: var(--fmgFont);" data-mce-style="font-family: var(--fmgFont);">, 2023 6:00 PM</span>

Colts Neck Inn Steak and Chop House, Thursday, June 1, 2023 6:00 PM

191 County Rd 537, Colts Neck, NJ 07722

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<br/><p class="">Salt Creek Grille, Tuesday, June 6, 2023 6:00 PM

Salt Creek Grille, Tuesday, June 6, 2023 6:00 PM

4 Bingham Ave, Rumson, New Jersey 07760

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We'll Discuss

We'll Discuss

  • How you can create a guaranteed retirement income that both you and your spouse cannot outlive.

  • How to protect your money against future drops in the market without completely sacrificing the chance to grow your money now.

  • How to make a fundamental shift between accumulation accounts and distribution accounts.

  • Creating tax-free money for Long-term care.

  • Wills vs. trusts and how to avoid probate.

  • How to reduce taxes on Social Security

  • Traditional “safe” havens for retirement savings such as Money market accounts, government bonds and CDs- All yielding after-tax returns barely above inflation. You’ll discover other risk-free options to generate much better returns.

Why have a meeting with Safe Financial Solutions? 

You're worried about running out of money in retirement.

You want to know exactly how much your income will be for the rest of your life.

You need a second opinion on your investments.

You want to pay less in taxes.

You'd like to earn a reasonable rate of return on your money.

You want to cut the IRS out of your will.

You want to leave a legacy for your family. 

You're concerned about the rising cost of long-term-care

We can help retirees and pre-retirees with...

Retirement Income Strategies

Years ago, 1/3 of retirement income came from personal savings, and 2/3 came from your employer and the federal government (your pension and Social Security). Today, retirees get nearly 30% of their retirement income from earnings (still working out of necessity), and would be in a poor financial position if they could not work. Yes, some still do have pensions, but the fundamental question is- how long will your pension income last? Should you pass away, will those benefits continue to your spouse? When you retire, how will you replace your income without a pension?

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Asset Protection and Tax Minimization Strategies

Today's retirees need to protect their assets and reduce taxes, especially during this period of their lives. Making a fundamental change in how you hold your assets makes all the difference in the world. You owe it to yourself and your family to get a second opinion on your financial strategies to make sure you will not outlive your money. Additionally, there is no sense in paying unnecessary income taxes. We have proven strategies on how you could eliminate of greatly reduce taxes. At Safe Financial Solutions, we specialize in the preservation, protection and certainty of your retirement assets. 

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IRA/401K Rollovers

All too common do retirees make easily avoidable mistakes in rolling over an IRA or 401k. These mistakes cost retirees thousands of dollars in unnecessary taxes and penalties annually!

Deferring taxes can have a powerful effect on the potential growth of an investment. The dollars that would have gone to paying taxes remain in the investment, which means more money working for potential returns. Safe Financial Solutions will be able to offer some tax strategies that might prove successful as you save and invest for retirement.

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Long Term Care and Life Insurance

The annual median cost for long term care with a home health aide in New Jersey is almost $60,000. The annual median cost for a nursing home facility is almost $144,000.* Planning ahead ensures the peace of mind that you'll be able to choose what kind of care you want, should you need it and be worry free about affording it.

Permanent life insurance, which includes whole and universal policies, builds cash value over time and can function as a source of retirement income. If you need to withdraw money from the cash value of the policy as a source of retirement income, the income is not taxable. This can be an easily accessible source of funds, especially if you need to cover emergency expenses. Of course, a life insurance policy will still provide for funeral and estate costs or leave tax free legacy your family.

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Click below to schedule an appointment with Sal about your Retirement Income Planning or Financial Management Needs

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