“Vision without implementation is hallucination”
Does your retirement look like this?
When it should look like this!
Reduce Your Financial Risk In Retirement
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Tom Hegna’s 2019 Economic Commentary
Addressing Consumer’s Objections to Annuities – Tom Hegna
Lyle Boss | Retirement Planning Specialist
Lyle Boss has helped thousands of seniors navigate their financial retirement options for over two decades. With individuals retiring earlier and living longer, retirement income is a major area of concern for maturing Americans. His clients include government employees, teachers, physicians, farmers and business executives to name a few.
Not one of his clients has lost money in a market downturn.
Boss Financial and Insurance Services, LLC, was named one of the most dependable wealth managers in the Rocky Mountain area by Goldline research in the January 12, 2009, issue of Forbes Magazine. Lyle is a member of the National Association of Insurance and Financial Advisors (NAIFA) which protects and promotes the critical role of insurance provided by professional agents and advisors.
He is also President of Franklin Institute Retirement & Estate Planning, and has been helping his clients with estate planning since 1997.
You can hear Lyle on his SAFE MONEY radio show every Saturday, broadcasting from Salt Lake City, Utah, on KLO 1430 AM; KSL 1160 AM; KVNU 610 AM in Logan, Utah; in St. George, Utah, KDXU 890 AM; St. George Friday on KZNU 1450 AM; and Salt Lake City Sunday on KSL 1160 AM. You can receive his semi-monthly email newsletters by contacting him at 801-475-9400.
You can receive his semi-monthly email newsletters by contacting him at 801-475-9400. His website for annuity education is lyleboss.retirevillage.com.
What We Offer
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Here are four things you can do with the money in your employer sponsored retirement plan:
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!