We all want: guaranteed income stream for life never outlive nest egg never give up control of assets My clients want a guaranteed income stream for life AND they don't want to run out of money AND they don't want to give up control of their assets. They want the perfect financial retirement. They want an inflation-proof income for the rest of their lives without giving up control of their assets. They want to reduce income taxes. They don't want to get stuck paying for the deficit from two wars, two tax cuts and two bank bailouts. Today you can buy that guaranteed inflation-proof income stream to match your needs. We don't know if the market will continue to climb, whether inflation will return in force, whether we might need cash to pay for extraordinary medical needs. Since no advisor can know the future, we need to stay flexible. Financial advisors favor high-cost products. You need less-biased information to find the best alternatives for you. I help you decide which alternative is best for you, now and later. You don't give up control of your assets. Only you know what fits your lifestyle at each stage. You use low-cost products so you keep more of your assets growing. You avoid high fee advisors and products. Most of us were faced with difficult retirement options. In the past, employers offered defined-benefit pensions. However, most of us had to create a self-directed retirement plans (401k, etc). We had to figure out which investments to make. If we were lucky, our employer matched our contributions. Most of us were not trained to make good investment choices and we didn't. It was hard to duplicate the guaranteed income that former generations received from their employer-paid pensions.
About the Author: Dan Keppel has been helping people find financial services that fit their lifestyles since working in a securities firm, an insurer, two banks and his own MoneyCoach service. His book, The Insiders' Guides to Buying Discount Financial Services: Buy Direct and Save $3,000 Every Year, shows you how, what and where to buy financial products like industry insiders do-directly from the highest rated companies for less. He edits TheInsidersGuides.com and was an adjunct at a local college. He lives in Montclair, NJ with his wife, daughter and two cats, Anu and Katze. He recently lost his Dad who he helped navigate years in retirement and two nursing homes. His parents used a Medicare spend-down strategy to maximize retirement incomes.