The Benefit Of A Financial Analyst For Your Retirement
When you are nearing retirement, there is nothing more important than being able to protect the assets that you have built over your working lifetime from the many forces that will be looking to take them from you. It is well known that telemarketing companies target senior citizens because they are not expected to be as mentally competent. You also have to worry about the tax man and the estate taxes that simply will not go away. Family members and friends may also try to take advantage of your kindness as well.
Most people do not have the time to protect their financial portfolio, much less grow it, and try to enjoy their retirement. However, there are plenty of tips that people who are nearing retirement can take on in order to create a safety net for themselves and keep the hands of others off of the money.
One – Trade in Lump Sums for Annuities
Annuities are a creative way to create a safety net for someone who is nearing retirement while at the same time protecting the base capital of a portfolio from the prying hands of anyone, including the tax man, who would love to get hold of it. Annuities place a barrier between the annuitant and the money that is placed into it, basically only providing the investor with the money that he or she says is necessary. This is a great excuse for family who is looking to borrow money – you can literally say that you do not have direct access to it.
Two – Place Holdings in Assets with High and Safe Returns with Less Liquidity.
Investments such as precious metals (gold, silver, titanium, copper, platinum) can provide an increase in the net worth of a portfolio while at the same time disallowing the capital within the portfolio to be spent. The same can be said for long term investments such as certificates of deposit as well as mutual funds with early with drawl fees, although fixed investments are not likely to outpace inflation at current interest rates.
For more tips like this, you can call or email Scott Reiman, a financial analyst who has been helping people save for retirement for his entire career. Combining intricate knowledge of the financial markets with a truly caring personality, Mr. Reiman has built a practice with a reputation that has lasted for many years.
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Offering much-needed assist in navigating the difficult admissions procedure will be step one, even so the Groundwork does not halt after entry have been achieved. Transitional workshops made to target the issues regarding “first actually in my family” students will be one more element regarding their method regarding success. In addition, post-secondary partners are already discriminating and so students continue being apprised coming from all assets accessible to all of them.
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