Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Ed Slott Retirement Rescue 2014

Ed Slott’s Retirement Rescue on PBS is amazing!  What people really want to know is this – are you okay?  Are your accounts setup properly?  Does your advisor truly know what they are doing?  Many other questions are likely right there too.  Who’s Rick is likely there too – read my bio. I have an amazing offer for you – I will provide you with a complementary copy of Ed Slott’s 2014 Retirement Decisions Guidebook (price is usually $12.95 plus shipping).  What’s the catch is the first response.  Well, you have to be open to looking at your situation, seeing if a second opinion is of interest to you.  If you’re not open to a second opinion – the book is not for you.  The second catch – you need to be in the San Francisco Bay Area.  We can work with people from all around the country – if you really want our assistance, give me a call to discuss how this works.

Ed Slott Retirement Rescue 2014  provider, Richard Loek - Ed Slott Master Elite IRA Advisro
Richard “Rick” Loek Biography

If you would like to find out how we make a difference with individuals and families, call our office to schedule a complementary consultation.  In this consultation you won’t be sold anything.  I will be asking a few simple questions to help you determine if there might be an issue with your current retirement account(s).  Call 408-459-8383, if we are busy assisting other people, you will need to leave a message.  We don’t sell or share anyone’s information – we dislike pushy sales people too!

Consider reading about our second opinion service

Returning to the office after attending Ed Slott retirement rescue 2014 training in April. We like sharing what was learned at the training.  Ed Slott is the creator of the Retirement Rescue System.  Richard Loek is a member of the Master Elite IRA Advisor Group. Mr. Loek highly trained in the Retirement Rescue system.  We review the base concepts and study changes in the laws that affect our clients, who are just like you.

Read our press release about attending the Spring 2014 Master Elite IRA Advisor group workshop Click here or copy and paste this URL

http://www.prlog.org/12326946-advisor-completes-training-on-new-retirement-and-tax-laws-at-exclusive-conference.html

Higher level of training Ed Slott Retirement Rescue 2014ed slott retirement rescue 2014 - Proud member of Ed Slott's Master Elite IRA Advisor Group

Here is a sample of information we learn and exchange – read more here

Much is learned by spending several days working though workbooks and by interacting with other specialists. There is something to be said for investing in my training.  This investment demonstrates my commitment to my clients.

When working with any professional, do you want the generalist or the specialist?  You can find the specialist in your area at iraHelp.com

We have a variety of resources for your, including this free booklet

We are unique in that we can work with people from pretty much anywhere in the country.  Give us a call and see if we are a fit for your needs.

toll-free 866-589-9366

Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

GAO September 2014 Report – Richard Loek

The U.S. General Accounting Office (GAO) released a report on September 14, 2014 regarding retirement accounts.  The report found that 99% of people with retirement accounts have less than $1 million dollars.  Mr. Loek found this to be interesting and correlates with many of the people he works with.  The stark reality is that most people are embarrassed about what they have.  The taboo conversations regarding money in our society don’t support people’s true needs.

Click here or

copy and paste this URL

http://www.prlog.org/12373105-advisor-richard-loek-says-people-are-embarrassed-about-retirement-savings.html

Higher level of training Ed Slott Retirement Rescue 2014

Mr Loek invests every year  in his training.  Likely this annual investment is more than most people’s entire investment in their education.  With that said here is some information about a recent training Mr. Loek attended.

Here is a sample of information we learn and exchange – read more here

Much is learned by spending several days working though workbooks and by interacting with other specialists.  There is something to be said for investing in my training.  This investment demonstrates my commitment to my clients.

ed slott retirement rescue 2014 - Proud member of Ed Slott's Master Elite IRA Advisor GroupWhen working with any professional, do you want the generalist or the specialist?  You can find the specialist in your area at iraHelp.com

We have a variety of resources for your, including this free booklet

We are unique in that we can work with people from pretty much anywhere in the country.  Give us a call and see if we are a fit for your needs.

toll-free 866-589-9366

Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Ed Slott Retirement Rescue 2014 – Elite IRA Training

If you would like to find out how we make a difference with individuals and families, call our office to schedule a complementary consultation.  In this consultation you won’t be sold anything.  I will be asking a few simple questions to help you determine if there might be an issue with your current retirement account(s).  Call 408-459-8383, if we are busy assisting other people, you will need to leave a message.  We don’t sell or share anyone’s information – we dislike pushy sales people too!

Returning to the office after attending Ed Slott retirement rescue 2014 training in April. We like sharing what was learned at the training.  Ed Slott is the creator of the Retirement Rescue System.  Richard Loek is a member of the Master Elite IRA Advisor Group. Mr. Loek highly trained in the Retirement Rescue system.  We review the base concepts and study changes in the laws that affect our clients, who are just like you.

Ed Slott Retirement Rescue 2014  provider, Richard Loek - Ed Slott Master Elite IRA Advisro
Richard “Rick” Loek Biography

Read our press release about attending the Spring 2014 Master Elite IRA Advisor group workshop Click here or

copy and paste this URL

http://www.prlog.org/12326946-advisor-completes-training-on-new-retirement-and-tax-laws-at-exclusive-conference.html

Higher level of training Ed Slott Retirement Rescue 2014

Here is a sample of information we learn and exchange – read more here

Much is learned by spending several days working though workbooks and by interacting with other specialists. There is something to be said for investing in my training.  This investment demonstrates my commitment to my clients.

ed slott retirement rescue 2014 - Proud member of Ed Slott's Master Elite IRA Advisor GroupWhen working with any professional, do you want the generalist or the specialist?  You can find the specialist in your area at iraHelp.com

We have a variety of resources for your, including this free booklet

We are unique in that we can work with people from pretty much anywhere in the country.  Give us a call and see if we are a fit for your needs.

toll-free 866-589-9366

Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Social Security Myths

When you look at income planning for retirement, most likely Social Security is part of that planning.  Many people don’t realize the true value of Social Security income.  I have met with many people who have pensions that have been level for 10, 15 or more years.  Inflation simply was not addressed during those years, which eats away at their buying power.

As of November 2015 how Social Security Planning works has forever been altered.  If you are 62 or older on December 31, 2015 you still have options.  If you are younger, your options have changed.  By “you” we mean you and/or your spouse.  We can clarify all of this for you – see our other website, iXray Social Security

We have a complete website dedicated to Social Security planning – iXray Social Security

You likely know that Social Security income can grow over time. This adjustment is called a cost of living adjustment.

Please don’t discount the true value of Social Security income planning.Social Security Breaking even by waiting longer

However, there are serious gaps in people’s knowledge. Many options exist regarding income planning.  I have met people who started early at 62. Most of these people really should have waited until full retirement age.

We will be pointing out strategies that will help you maximize your benefits.

Strategies to consider

  • Spousal planning
  • File and suspend – read about this on iXray Social Security
  • Waiting until full retirement age

Waiting will cause your benefits to be bigger – unless you are impacted by the changes of November 2015

What would be best – more checks or larger checks?

There is much to take into account before you make your final choice.  There are subjective considerations to take into account.  One key question to ask – will you live past the break even point?  The break even point is when your cumulative income crosses over from having smaller checks vs having fewer but larger checks.