Showing posts with label non-bank financial alternative. Show all posts
Showing posts with label non-bank financial alternative. Show all posts
Tuesday, September 3, 2013
Monday, August 26, 2013
If you designed the perfect financial product would it look like this?
Many clients tell me they are looking for several contradictory objectives in an IDEAL financial product!
First, they want to know their principal is safe!
Second, they want a reasonable rate of return on their money!
Third, they want liquidity!
If a product could do all of these thing would you agree that this is a nearly perfect financial product?
A bank can give you the first and third items from the list but will not deliver the second. The market can give you the second and the third but cannot guarantee the first.
Its now possible to get a financial product that offers 100% liquidity from day one. Even though it offers great liquidity it is designed and optimized for long term growth or even for legacy purposes.
In addition it offers a reasonable rate of return in some configurations or the upside potential for double digit annual returns of over 12% in the best years and a mid single digit (4-7%) returns in an average year. It delivers all of this potential with outstanding safety and protection of principal.
That's the good news.
Now for the bad news. Not everyone can qualify to purchase this type of product. Minimum $ limits also apply. Contact us if interested in learning if this is right for you!
First, they want to know their principal is safe!
Second, they want a reasonable rate of return on their money!
Third, they want liquidity!
If a product could do all of these thing would you agree that this is a nearly perfect financial product?
A bank can give you the first and third items from the list but will not deliver the second. The market can give you the second and the third but cannot guarantee the first.
Its now possible to get a financial product that offers 100% liquidity from day one. Even though it offers great liquidity it is designed and optimized for long term growth or even for legacy purposes.
In addition it offers a reasonable rate of return in some configurations or the upside potential for double digit annual returns of over 12% in the best years and a mid single digit (4-7%) returns in an average year. It delivers all of this potential with outstanding safety and protection of principal.
That's the good news.
Now for the bad news. Not everyone can qualify to purchase this type of product. Minimum $ limits also apply. Contact us if interested in learning if this is right for you!
Friday, March 22, 2013
Would you be interested in 6.25% for 34 yrs?
Would you be interested in turning $383,000 into a guarantee income stream for 34 year and paying a total of $1,607,000. The transaction is only available to one client. when its sold its gone. There are other similar deals available with diferent amounts, diferent payment schedules, various durations and different nominal interest rates. Smaller deals are also available. The payment streams are guaranteed by Billion dollar Insurance Companies that are highly rated and very well known. This particular opportunity is issued by an A rated American insurance company.
Whats the catch?
You must qualify to purchase the deal.
You must have adequate liquidity to afford the transaction.
You get a schedule of monthly income checks thats is modest for the first 14 years then increases every year until the maturity in 2047
You cant change the monthly payment amounts. The payment schedule is available for review
You must have a very long term focus.
Im guessing the ideal client would be a professional with high net worth possibly a lawyer, doctor or business owner. Possibly utilizing IRA, SIMPLE, SEP or 401K assets. Imagine a $1.2 M plus gain in a ROTH! It could be a younger sucessful individual or an older client looking to fund a Mult-generational Family or charitable trust!
What are your thoughts on this type of very long term transaction and rate of return??
Public comments can be made here or
serious inquiries would be best handled by email or phone
Whats the catch?
You must qualify to purchase the deal.
You must have adequate liquidity to afford the transaction.
You get a schedule of monthly income checks thats is modest for the first 14 years then increases every year until the maturity in 2047
You cant change the monthly payment amounts. The payment schedule is available for review
You must have a very long term focus.
Im guessing the ideal client would be a professional with high net worth possibly a lawyer, doctor or business owner. Possibly utilizing IRA, SIMPLE, SEP or 401K assets. Imagine a $1.2 M plus gain in a ROTH! It could be a younger sucessful individual or an older client looking to fund a Mult-generational Family or charitable trust!
What are your thoughts on this type of very long term transaction and rate of return??
Public comments can be made here or
serious inquiries would be best handled by email or phone
Wednesday, October 31, 2012
When Can I Retire??
While reviewing some financial industry publications today I came across something somewhat frightening. It was an article quoting a study done by a group called My New Financial Advisor (MNFA). The purpose of the study was to look at Baby Boomers facing retirement and tried to determine what age they would reach before they are able to Retire. First let me say that the study was relatively modest in size but the findings are still Disturbing and Frightening. I might say this is rather fitting on Halloween night!!
The survey was conducted by collecting data on 1600 Baby Boomers. They concluded that many Boomers due to the following six factors; a Loss of Income, Insufficent Savings, Low Rates of Return on Their Retirement and Other Financial Assets, Higher Than Expected Expenses, High Taxes, and A Low Rate of Growth In Personal Income will have to postpone their retirement till their mid 70's. Is that frightening enough for you? I don't know about you but I don't want to HAVE TO Work until I am in my mid 70's. Now, I'm not saying working until age 70-76 is a bad thing! In fact, for many people thats a good thing. I am saying that I would hope that if you are still working until you are almost 80 years of age that it is because YOU WANT TO, NOT BECAUSE YOU HAVE TO!!
START TODAY!
Squeeze your expense budget, use the money saved to increase retirement savings. Look for SAFE Money Financial alternatives that produce a reasonable rate of return. Guarantees of up to 6% in the growth of Income Account Value, when used for Lifetime Income, are available today. This can be done without market risk today! The "Without Market Risk" is a big deal since retirees or near retirees cannot afford the market lossses most have seen in the past 10-12 years. Getting Back to Even is not good enough. Where do you currently have your Safe Money?
I believe it was Warren Buffet who said there are two rules in financial management.
Rule 1 Don't Lose Money!
Rule 2 NEVER FORGET RULE 1!
If you don't believe we have significant risk today. What about Europe? What about our out of control Federal deficit? Where are we going to get the money to pay for it? Expect increased Taxes! Ever hear of the terms The Fiscal Cliff, or Double Dip Recession. What about the increasing cost of everything you need to buy in the Consumer Price Index (Inflation Risk)?
Polaris Financial Services
614-264-3864
The survey was conducted by collecting data on 1600 Baby Boomers. They concluded that many Boomers due to the following six factors; a Loss of Income, Insufficent Savings, Low Rates of Return on Their Retirement and Other Financial Assets, Higher Than Expected Expenses, High Taxes, and A Low Rate of Growth In Personal Income will have to postpone their retirement till their mid 70's. Is that frightening enough for you? I don't know about you but I don't want to HAVE TO Work until I am in my mid 70's. Now, I'm not saying working until age 70-76 is a bad thing! In fact, for many people thats a good thing. I am saying that I would hope that if you are still working until you are almost 80 years of age that it is because YOU WANT TO, NOT BECAUSE YOU HAVE TO!!
START TODAY!
Squeeze your expense budget, use the money saved to increase retirement savings. Look for SAFE Money Financial alternatives that produce a reasonable rate of return. Guarantees of up to 6% in the growth of Income Account Value, when used for Lifetime Income, are available today. This can be done without market risk today! The "Without Market Risk" is a big deal since retirees or near retirees cannot afford the market lossses most have seen in the past 10-12 years. Getting Back to Even is not good enough. Where do you currently have your Safe Money?
I believe it was Warren Buffet who said there are two rules in financial management.
Rule 1 Don't Lose Money!
Rule 2 NEVER FORGET RULE 1!
If you don't believe we have significant risk today. What about Europe? What about our out of control Federal deficit? Where are we going to get the money to pay for it? Expect increased Taxes! Ever hear of the terms The Fiscal Cliff, or Double Dip Recession. What about the increasing cost of everything you need to buy in the Consumer Price Index (Inflation Risk)?
Polaris Financial Services
614-264-3864
Savings Needed For Retirement Rule Of Thumb
An article recently appeared in the Columbus Dispatch and the Ft. Lauderdale Sun Sentinel. The original article was written by Donna Gehrkee-White. The primary point of the article was to give savers a rule of thumb to help determine how much money they need to have saved prior to retirement. Whats nice about the approach is it doesnt assume that everyone has the same number. Of course everyones stlye of living and retiring is differen, therefore their personal savinggs need is also going to be different. The suggested rule of thumb is this. You should have 8 Years worth of income saved in order to plan on a comfortable retirement. In other words if your last years income was 40,000 then 8 x 40,000 = $320,000 and if your inccome was $150,000 then you should have $1,200,000 in savings. This serves as a starting point. If a retiree has a large pension lifetime income stream they may be able to reduce the saving $ needed to secure a safe retirement. If they dont they may want to increase the amount they save before they retire.
You can also work a few extra years to increase saving and decrease the amount of savings needed. Remember this also increases their Social Security income for life. We have available a Social Security Calculator that lets a client determine the optimum age to begin their Social Security Income benefit and if they are married helps to strategize how and when to begin taking SS income. This is just one of the services we offer to our retirement clients. We also help to increase their retirement income WITHOUT MARKET RISK.
Polaris Financial Services
614-264-3864
You can also work a few extra years to increase saving and decrease the amount of savings needed. Remember this also increases their Social Security income for life. We have available a Social Security Calculator that lets a client determine the optimum age to begin their Social Security Income benefit and if they are married helps to strategize how and when to begin taking SS income. This is just one of the services we offer to our retirement clients. We also help to increase their retirement income WITHOUT MARKET RISK.
Polaris Financial Services
614-264-3864
Tuesday, December 21, 2010
Seniors and SS benefits before retirement age 65
Seniors and SS benefits before retirement age 65
A recent survey of over 600 seniors shows that many people are planning on accessing their Social security benefits before age 65 to cover routine living expenses, healthcare, mortgages and utilities. This is a serious concern to me because it will reduce the SS benefits paid for the life of the senior. Tapping into SS benefits significantly reduces the amount you receive every month for life. It should only be utilized as a LAST RESORT in an Emergency situation. Several other measures should be evaluated before this drastic action is taken. Several steps we can evaluate include a HUD HECM Reverse Mortgage which improves cash flow by stopping mortgage payments as long as you and or your spouse are able to remain in your home. Another step is to review your existing life insurance policies, or increase income from your current assets.
If your assets are not currently growing by 6-7.2% per year you may be positioning your assets unwisely. If none of your assets are positioned to guarantee you a lifetime income stream you cannot outlive I Must ask Why not?? If you have lost money in the market turbulence of 2008 Let me ask why put up with that? None of the assets I manage for my clients have lost money this year! Let me repeat that NONE of my clients assets under management have suffered a market loss of value!
We can help clients with all of these things. How can we help you?
financial-services@live.com
polarisfinancialservices@gmail.com
Friday, March 20, 2009
How To Avoid Financial Meltdown
Just wanted to share an experience I had this week with a Revocable Living Trust client. This client is a retired physician and his wife's estate. They had set up a Revocable Living Trust. I was working with them on a Trust and Estate planning review. Here is what we found with the review we just completed. The trust was properly executed but not properly funded. The result of not having funded the trust properly before now could have been a Disaster for the heirs if the couple had died before the review or before they complete the implementation of these strategies. They hold real estate in three states leaving potential probate liability in all three states. They have approximately $2 million in real estate value. Conservative estimate of current probate risk is anywhere from $150-400K. It actually could go higher but it is unlikely to be less. This is unnecessary and avoidable risk for the estate. Our attorneys tell us that Properly funded trust owned real estate avoids the probate process and all of that unnecessary expense. Saving for the estate if they complete the funding process would equal$140-390K using the recommendations identified through the review process. The attorneys we work with can take care of all the legal paperwork for a very reasonable price. Failure to complete the process is likely to result in the need to sell the beach condo and ski condo in order pay the probate costs on both properties.
Then with the financial portion of the review process we identified other potential problems and offered other suggested solutions. The financial assets are currently exposed to far to much market risk considering the clients ages. In fact like many potential clients they have lost over 35% of their liquid assets to this market turbulence. Repositioning of assets into more age appropriate categories will protect the clients assets from virtually all market risks. Some percentage of their assets will still remain exposed to market risk or to inflation risk. You can not avoid 100% of risks with all assets and still maintain adequate liquidity. The financial review process is designed to help determine the right mix or risk money, safe money and liquidity ratios need to protect the clients best interests. When this is completed the clients will never again have to worry about the impact of market turbulence on the majority of their assets. We can actually guarantee this family the prospect of roughly doubling their money over the next 10-11 years with additional upside potential if market conditions turn around. We can do this at the same time that we protect the bulk of their assets from risk
A fairly recent study discussed in the Wall Street Journal indicated that approximately 75% of high net worth individuals are either moving all or most of their assets to new financial managers. It is no surprise considering the losses suffered by most individuals. However, NONE of the assets I have positioned for my clients have lost money!!! We have never lost money for any of our clients.
All in all we would say that was a nice days work! How can we help you protect and grow your assets, increase your income, and or increase your legacy for your loved ones. Feel free to contact us. How can we help you to find out what strategies are right for you and your unique
situation?
website address www.columbusfinancialplanningpros.com
email address polarisfinancialservices@gmail.com
Then with the financial portion of the review process we identified other potential problems and offered other suggested solutions. The financial assets are currently exposed to far to much market risk considering the clients ages. In fact like many potential clients they have lost over 35% of their liquid assets to this market turbulence. Repositioning of assets into more age appropriate categories will protect the clients assets from virtually all market risks. Some percentage of their assets will still remain exposed to market risk or to inflation risk. You can not avoid 100% of risks with all assets and still maintain adequate liquidity. The financial review process is designed to help determine the right mix or risk money, safe money and liquidity ratios need to protect the clients best interests. When this is completed the clients will never again have to worry about the impact of market turbulence on the majority of their assets. We can actually guarantee this family the prospect of roughly doubling their money over the next 10-11 years with additional upside potential if market conditions turn around. We can do this at the same time that we protect the bulk of their assets from risk
A fairly recent study discussed in the Wall Street Journal indicated that approximately 75% of high net worth individuals are either moving all or most of their assets to new financial managers. It is no surprise considering the losses suffered by most individuals. However, NONE of the assets I have positioned for my clients have lost money!!! We have never lost money for any of our clients.
All in all we would say that was a nice days work! How can we help you protect and grow your assets, increase your income, and or increase your legacy for your loved ones. Feel free to contact us. How can we help you to find out what strategies are right for you and your unique
situation?
website address www.columbusfinancialplanningpros.com
email address polarisfinancialservices@gmail.com
Friday, November 21, 2008
Wall Street Journal reports trend changing Financial Advisors
A Wall Street Journal article reports that " Fully 90% of investors with over $1 Million or more in investable assets plan to take money away from their current financial advisor and 70% plan to leave their (current) advisor altogether." The Wall Street Journal October 2, 2008
This makes sense now even more than it did in October since we have continued to see market drops almost daily. Why would anyone stay with a financial advisor who has contributed to your loss of as much as 30-40% or even 50% of your financial portfolio? There is a better way! Have you suffered enough to justify a one hour investment of your time in order to find out?
Some people have said why move assets now? The answer is the same answer I have been giving to my clients and potential clients since early September. Any assets that you reposition now are protected from future market turbulence. You still get to participate in any market rally. You have the possibility of double digit gains of as much as 20% or more depending on what product we select for your needs. Some products even offer a bonus of from 5-15% to help ease the sting of the market beating you have suffered. For people consumer with fear take control of your future. We can set up a program to dollar cost average by committing some cash now and more later.
None of the client savings assets that I manage have lost a dollar due to market risk in two down market cycles since 2001. That is an achievement I am proud of. Can you say that about your current financial advisor or banker? Even a bank CD today is suffering a loss due to inflation risk! My average client over age 40 has seen a gain in their income account value of 6-7.2% in the last 12 months. My average new clients have seen a total return of 11-12.2% in the past year. I choose, to only offer my clients Safer Money Financial Alternatives that can provide most or all of the following benefits.
1. Protection of principal from market risk.
2. Minimum performance guarantees protecting you in market downturns.
3. Upside earning potential in good years.
4. Long term earning growth that outpaces inflation.
5. The possibility to create a lifetime income stream you or you and your spouse cannot outlive.
6. Limited penalty free liquidity provisions may apply
7. Some products offer client bonuses of from 5-15%
8. The ability to sleep well at night because you are protected from market turbulence.
These products are not right for every client. There are minimum dollar contributions needed to participate. These products have a long term focus. Surrender charges may apply if you withdraw more than the penalty free amounts in any given year before the Surrender period expires.
We offer a free initial consultation. There are a range of helpful products and services available.
All products are offered by licensed professionals. Does this sound good to you? How can we help you better weather the financial storms??
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
This makes sense now even more than it did in October since we have continued to see market drops almost daily. Why would anyone stay with a financial advisor who has contributed to your loss of as much as 30-40% or even 50% of your financial portfolio? There is a better way! Have you suffered enough to justify a one hour investment of your time in order to find out?
Some people have said why move assets now? The answer is the same answer I have been giving to my clients and potential clients since early September. Any assets that you reposition now are protected from future market turbulence. You still get to participate in any market rally. You have the possibility of double digit gains of as much as 20% or more depending on what product we select for your needs. Some products even offer a bonus of from 5-15% to help ease the sting of the market beating you have suffered. For people consumer with fear take control of your future. We can set up a program to dollar cost average by committing some cash now and more later.
None of the client savings assets that I manage have lost a dollar due to market risk in two down market cycles since 2001. That is an achievement I am proud of. Can you say that about your current financial advisor or banker? Even a bank CD today is suffering a loss due to inflation risk! My average client over age 40 has seen a gain in their income account value of 6-7.2% in the last 12 months. My average new clients have seen a total return of 11-12.2% in the past year. I choose, to only offer my clients Safer Money Financial Alternatives that can provide most or all of the following benefits.
1. Protection of principal from market risk.
2. Minimum performance guarantees protecting you in market downturns.
3. Upside earning potential in good years.
4. Long term earning growth that outpaces inflation.
5. The possibility to create a lifetime income stream you or you and your spouse cannot outlive.
6. Limited penalty free liquidity provisions may apply
7. Some products offer client bonuses of from 5-15%
8. The ability to sleep well at night because you are protected from market turbulence.
These products are not right for every client. There are minimum dollar contributions needed to participate. These products have a long term focus. Surrender charges may apply if you withdraw more than the penalty free amounts in any given year before the Surrender period expires.
We offer a free initial consultation. There are a range of helpful products and services available.
All products are offered by licensed professionals. Does this sound good to you? How can we help you better weather the financial storms??
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
Thursday, November 13, 2008
Current Hot Interest Rate Deals
Periodically we update clients and readers on great current interest rate deals. These are guaranteed rates for the term listed and are subject to change. Contact us for details or to determine minimum amounts required and determine suitability to meet your needs. These rates apply for both qualified and non qualified money sources.
10 year 6.5%
7 year 6.0%
5 year 5.7%
3 year 4.8%
Now lets compare these rates to those listed at bankrate.com Please remember that although FDIC Insurance protects you principal it does not guarantee the earning rates if the bank gets into financial difficulty. This little know fact was reported in an article in the Columbus Dispatch earlier this fall. The first set of interest rates are approximately 50 % higher than the rates listed below which are the bank rate national averages listed today on the bankrate.com website
5 year non qualified money 3.88%
5 year qualified money 3.67%
1 year non qualified money 3.48%
1 year qualified money 3.12%
The first set of interest rates are approximately 50 % higher than the bank rate national averages listed today on the bankrate.com website. Why would anyone want to earn a 50% lower rate of return than they can earn.
How can we help you prepare for your financial future?
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
10 year 6.5%
7 year 6.0%
5 year 5.7%
3 year 4.8%
Now lets compare these rates to those listed at bankrate.com Please remember that although FDIC Insurance protects you principal it does not guarantee the earning rates if the bank gets into financial difficulty. This little know fact was reported in an article in the Columbus Dispatch earlier this fall. The first set of interest rates are approximately 50 % higher than the rates listed below which are the bank rate national averages listed today on the bankrate.com website
5 year non qualified money 3.88%
5 year qualified money 3.67%
1 year non qualified money 3.48%
1 year qualified money 3.12%
The first set of interest rates are approximately 50 % higher than the bank rate national averages listed today on the bankrate.com website. Why would anyone want to earn a 50% lower rate of return than they can earn.
How can we help you prepare for your financial future?
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
Thursday, November 6, 2008
Current Top Interest Rates Available
Best Interest Rates Available For Savers
Here are the national bank CD rates from the bankrate.com website
1 year 3.49% non qualified money
1 year 3.22% IRA CD rates
5 year 3.87% non qualified money
5 year 3.68% IRA CD rates These rates are not very attractive. Would you like the opportunity to earn a greater rate of return and do it safely?
Periodically I like to report on high interests rates available for savers. I do this to keep you aware of viable and safe options.
Multi year interest rates best deals this week
3 year fixed rates 4.37%
5 year fixed rates 5.46%
7 year fixed rates 6.1%
10 year fixed rates 6.36%
All of these financial products offer you protection of principal and guaranteed interest rate.
Rate change weekly and minimum initial $ amounts apply. Unlike bank CD rates it does not matter whether you commit tax qualified or not tax qualified funds. These products may not be available in all 50 states and the District of Columbia. Contact us to find out if they are suitable for you in your particular situation.
The second set of interest rates look more interesting to us. What about you?
How can we help you achieve your financial goals and objectives.
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
Saturday, November 1, 2008
Current rate guarantees
Periodically I provide updates on current high interest rate available on products offering protection of principal and multi-year interest rate guarantees.
$15,000 + 5 year fixed term guarantee rate 5.65%
$100,000+ 5 year fixed term guarantee rate 5.75%
$100,000+ 10 year fixed term guarantee rate 6.11%
Other products for clients over 40 years of age saving for retirement offer 6% or even 7.2% increase in Income Account Value when used for creation of lifetime income.
Products may not be available in all states or may not be suitable for every saver. The only way to determine if they are suitable for you is to contact us. These rates are subject to change until funding is completed. How can we help you plan for your financial future?
www.columbusfinancialplanningpros.com
polarisfinancialservices@gmail.com
$15,000 + 5 year fixed term guarantee rate 5.65%
$100,000+ 5 year fixed term guarantee rate 5.75%
$100,000+ 10 year fixed term guarantee rate 6.11%
Other products for clients over 40 years of age saving for retirement offer 6% or even 7.2% increase in Income Account Value when used for creation of lifetime income.
Products may not be available in all states or may not be suitable for every saver. The only way to determine if they are suitable for you is to contact us. These rates are subject to change until funding is completed. How can we help you plan for your financial future?
www.columbusfinancialplanningpros.com
polarisfinancialservices@gmail.com
Monday, October 20, 2008
Positive Economic News For A Change
The Associated Press wrote a news article today titled "Leading Indicators Rise For First Time in 5 Months" Unfortunately this was September data not October data but it is still good news. Deliveries and orders rose by a very modest 0.3% but an increase is still an increase. This shows the economy is trying to grow!! Lets compare that to July with a 0.7 drop and August with a 0.9% drop. However we will still be down between 3-4% for the year.
AP out of DC also had some serious economic news and it wasn't as positive as that from the NY report. They found that only 15 % of those surveyed believe the economy is moving in the right direction compared to the 28% who felt that way just a month ago. With all the Economic turmoil less than 60% are happy with what is happening in their own lives. Everyone from all levels of society are concerned with the economic developments. 1/2 are concerned about their mortgage and credit cards, 1/3 are concerned about keeping their jobs and 70% are concerned about their investments falling and the impact on things like their retirement, medical bills and college costs.
In spite of all the bad news or maybe because of it you need to take positive steps to minimize the impact on you! Protect yourself from any further drops in value. No this does not mean putting everything under your mattress. You need to look at products that do the following things. Protect your principal at all costs, Get guaranteed growth from at least some of your assets currently its possible for a 40year old to get a minimum of 6-7.2% per year increase in Income Account Value, Maintain the upside potential of making more when the economy starts to recover, Make sure you have a chance of beating inflation with your assets so you don't loose buying power over the long term.
We can help you achieve all of these things in you financial arena! Does that sound interesting?
How can we Help you? Get in touch with us or send an email.
website www.columbusfinancialplanningpros.com
e-mail polarisfinancialservices@gmail.com
AP out of DC also had some serious economic news and it wasn't as positive as that from the NY report. They found that only 15 % of those surveyed believe the economy is moving in the right direction compared to the 28% who felt that way just a month ago. With all the Economic turmoil less than 60% are happy with what is happening in their own lives. Everyone from all levels of society are concerned with the economic developments. 1/2 are concerned about their mortgage and credit cards, 1/3 are concerned about keeping their jobs and 70% are concerned about their investments falling and the impact on things like their retirement, medical bills and college costs.
In spite of all the bad news or maybe because of it you need to take positive steps to minimize the impact on you! Protect yourself from any further drops in value. No this does not mean putting everything under your mattress. You need to look at products that do the following things. Protect your principal at all costs, Get guaranteed growth from at least some of your assets currently its possible for a 40year old to get a minimum of 6-7.2% per year increase in Income Account Value, Maintain the upside potential of making more when the economy starts to recover, Make sure you have a chance of beating inflation with your assets so you don't loose buying power over the long term.
We can help you achieve all of these things in you financial arena! Does that sound interesting?
How can we Help you? Get in touch with us or send an email.
website www.columbusfinancialplanningpros.com
e-mail polarisfinancialservices@gmail.com
Thursday, October 16, 2008
Critical Economic and Financial Trends
The Bloomberg News Service listed headlines on October 6, 2008. It read "Broken Wall Street Means Merrill Model Succumbs to Independents"
Are you are frustrated and looking for a Safer Money Alternative?
Prince & Associates INC. completed a market survey in September 2008. Obviously this is before the most recent Blood letting happening in October. There are two very interesting qoutes from that survey that I want to share.
"70 percent of customers say they want to fire their broker"
"90 percent of customers of major brokerages say that they plan to withdraw at least some of their money"
Are you part of that 70% or 90%?
The Bloomberg News Service and the market survey actually have a related message. It would appear to be that the people currently managing my money are not doing a satisfactory job protecting and growing my money. Remember almost everyone has lost 20%, 40% or more in this economic turmoil.
You may or may not agree that that is the take Away message. If that is the way you feel
we would be happy to talk to you about Safer Money Alternatives offering protection of principal and the chance for significant upside growth. For Clients over 40 or 50 years old the minimum performance can be as high as a 7.2% increase in Account Value annually over a period of 5-10 or more years. These products are not right for everyone. They may not be available to people in all states. The only way to determine if this approach is right for you is with a brief no obligation consultation. This can be done face to face, by phone or by email! If its right for you and you qualify we would be happy to help you protect and grow your assets.
Lets find out how can we help you?
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
Are you are frustrated and looking for a Safer Money Alternative?
Prince & Associates INC. completed a market survey in September 2008. Obviously this is before the most recent Blood letting happening in October. There are two very interesting qoutes from that survey that I want to share.
"70 percent of customers say they want to fire their broker"
"90 percent of customers of major brokerages say that they plan to withdraw at least some of their money"
Are you part of that 70% or 90%?
The Bloomberg News Service and the market survey actually have a related message. It would appear to be that the people currently managing my money are not doing a satisfactory job protecting and growing my money. Remember almost everyone has lost 20%, 40% or more in this economic turmoil.
You may or may not agree that that is the take Away message. If that is the way you feel
we would be happy to talk to you about Safer Money Alternatives offering protection of principal and the chance for significant upside growth. For Clients over 40 or 50 years old the minimum performance can be as high as a 7.2% increase in Account Value annually over a period of 5-10 or more years. These products are not right for everyone. They may not be available to people in all states. The only way to determine if this approach is right for you is with a brief no obligation consultation. This can be done face to face, by phone or by email! If its right for you and you qualify we would be happy to help you protect and grow your assets.
Lets find out how can we help you?
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
Wednesday, October 15, 2008
Economic Roller Coaster Ride Continues
Market plummet almost 800 points recovering over 900 the next day then plummeting again today by another 733 points. You need to understand something.The upwards bounce we saw the other day is a good thing but the markets fall today is a reminder that FEAR RULES. No one know when or at what level the markets will hit bottom. What we can all count on is that it will continue to be a rough ride. The Asia Pacific markets also dropped again today. We don’t know when it is going to be over. No one Knows! You must decide to protect yourself!
How can you protect yourself. Take action now to set your own bottom limit below which your assets can not fall. Equally important is taking steps to allow yourself to participate in the upside. In most States if you are over 40 or 50 years old I can get you a 5% bonus to help compensate for your losses with a total guarantee of 12.2% increase in your Account Value during the first year. You need to act now! Why wait for the markets to drop another 1000 points or more! In future years you can get 7.2% per year increase in Account Value. This will double your money over the next 10 years regardless of the ups and downs in the market. You might get more but you won’t receive less. Haven't you suffered enough losses already?
Does it make sense to take at least some of your assets and protect them? We believe it does!
How can we help you protect you and your family?
polarisfinacialservices@gmail.com
www.columbusfinancialplanningpros.com
Friday, October 10, 2008
The Columbus Dispatch: How Low Can Stocks Go? Article
Thursday October 9th Lead article in the Columbus dispatch was an article titled "How Low Can They Go?" The bad news is that they could go a lot lower before they correct and start to recover. Recoveries usually take longer than market collapses. The average Bear Market has lasted 16 months and an average decline of 31%. The great depression recovery took over ten years and the tech bubble / Sept 11 drop recovery took over 4 years to recover. We are now back close to that level again.
The good news is if you are interested we can eliminate your downside market risk! We can do it while protecting you principal and giving you upside market potential whenever the market recovers! Depending on your state of residence, your age and financial situation we can guarantee no loss due to market risk or as much as 7.2% per year increase in Income Account Value.
How do you win? One great way is to protect yourself from the downside risk. Make sure you participate in the upside market recovery. WE CAN HELP YOU DO THAT!!! We CAN DO IT SAFELY!! We specialize in No Market Risk Financial strategies! Still accepting some new clients.
How can we help you meet your goals?
www.columbusfinancialplanningpros.com
polarisfinacialservices@gmail.com
The good news is if you are interested we can eliminate your downside market risk! We can do it while protecting you principal and giving you upside market potential whenever the market recovers! Depending on your state of residence, your age and financial situation we can guarantee no loss due to market risk or as much as 7.2% per year increase in Income Account Value.
How do you win? One great way is to protect yourself from the downside risk. Make sure you participate in the upside market recovery. WE CAN HELP YOU DO THAT!!! We CAN DO IT SAFELY!! We specialize in No Market Risk Financial strategies! Still accepting some new clients.
How can we help you meet your goals?
www.columbusfinancialplanningpros.com
polarisfinacialservices@gmail.com
Safe Money and Safe Money Places
We were reading industry finance information and found a really interesting web Site. We decided to share it with you our readers. It is http://www.safemoneyplaces.com/default.asp
It talks about the concept of Safe Money defining it as money you cannot afford to loose and the places where you should consider holding your safe money assets. It basically identifies three major categories and the advantages and disadvantages of each. The three broad types of safe money products identified are, Insured Deposits in FDIC Insured Banks or S&L Associations, Treasury Securities, and Fixed or Fixed Indexed Annuities. It talks about the levels of protection each entails including FDIC Insurance, Taxing power of the US Government and the State Insurance Guaranty funds. All three are identified as very secure places for your funds.
Of the three the one which probably can deliver the greatest rate of growth is the top Fixed Indexed Annuity products. None of our clients have ever lost even one dollar of their money to market risk while those funds were under our care.
We can help you to meet your twin goals of safety of principal and optimum growth rates.
How can we help you Grow your assets?
www.columbusfinancialplanningpros.com
polarisfinancialservices@gmail.com
It talks about the concept of Safe Money defining it as money you cannot afford to loose and the places where you should consider holding your safe money assets. It basically identifies three major categories and the advantages and disadvantages of each. The three broad types of safe money products identified are, Insured Deposits in FDIC Insured Banks or S&L Associations, Treasury Securities, and Fixed or Fixed Indexed Annuities. It talks about the levels of protection each entails including FDIC Insurance, Taxing power of the US Government and the State Insurance Guaranty funds. All three are identified as very secure places for your funds.
Of the three the one which probably can deliver the greatest rate of growth is the top Fixed Indexed Annuity products. None of our clients have ever lost even one dollar of their money to market risk while those funds were under our care.
We can help you to meet your twin goals of safety of principal and optimum growth rates.
How can we help you Grow your assets?
www.columbusfinancialplanningpros.com
polarisfinancialservices@gmail.com
Wednesday, October 8, 2008
Retirement plans have lost $2 Trillion
Headlines for USA Today read "$2 Trillion wiped out in retirement funds." This article is written by Sandra Block. I generally like her writing but am surprised that she does not get a little more supportive of Safer Money Alternatives. It may be licensing or it may just be a limitation in her background. In the article Kurt Brouver was quoted as saying "This is a financial panic right now, and one reason it feels so bad is that everything is going down." Another quote rightfully pointed out the need for upside potential in the financial strategy you utilize. We offer both Safety and upside potential!
You need to know that there are alternatives. We can help you with Qualified and nonqualified money. We can offer Safer alternatives for your retirement plans including company 401K Plan assets, SEP Plans, ROTH and Traditional IRA Accounts.
We can take new clients today and if they are over 40 guarantee them either 6 or 7.2 % per year increase in account value per year or more. Over a 10 or 12 year period that guarantees that they will double their money. That is the minimum performance guarantee. They can make more even double digit returns of 10-20% if the economy rebounds. We all know that eventually it will rebound. The only question is have we seen the bottom or do we have another 10-30% downwards ride before things start to get better. We don't know if we have hit bottom yet. We have chosen to protect the majority of our assets from market risk!! This is also what we recommend. we only recommend Safer Money Alternatives
We can deliver at least a 10-12 % total rate of return on new money in the next 12 months for all new clients we agree to take on and offer the protection of principal besides. These products are not right for everyone and we need to discuss their suitability for your particular financial situation. You might not make quite as much as you would make if you are fully in the market, and assuming that the market has already hit bottom and starts back up immediately but we can guarantee that you will sleep better at night. If you look at the indexes over history recovery almost always takes more time than the declines. The declines are the result financial weakness and of panic selling wheras the recovery requires the rebuilding of confidence. Which do you think takes longer.
How many of you readers know of Wil Rogers the famous humorist. He was once quoted "I am more concerned with the Return Of My Money than I am with the Return On My Money" Return Of My Money is SAFETY and The Return On MY money is GROWTH. We can help you with BOTH!!!
If your current financial advisor has not told you about them I have to ask just one question. WHY NOT??? Whose interests are they looking out for?? How can we help you protect and diversify your assets??
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
You need to know that there are alternatives. We can help you with Qualified and nonqualified money. We can offer Safer alternatives for your retirement plans including company 401K Plan assets, SEP Plans, ROTH and Traditional IRA Accounts.
We can take new clients today and if they are over 40 guarantee them either 6 or 7.2 % per year increase in account value per year or more. Over a 10 or 12 year period that guarantees that they will double their money. That is the minimum performance guarantee. They can make more even double digit returns of 10-20% if the economy rebounds. We all know that eventually it will rebound. The only question is have we seen the bottom or do we have another 10-30% downwards ride before things start to get better. We don't know if we have hit bottom yet. We have chosen to protect the majority of our assets from market risk!! This is also what we recommend. we only recommend Safer Money Alternatives
We can deliver at least a 10-12 % total rate of return on new money in the next 12 months for all new clients we agree to take on and offer the protection of principal besides. These products are not right for everyone and we need to discuss their suitability for your particular financial situation. You might not make quite as much as you would make if you are fully in the market, and assuming that the market has already hit bottom and starts back up immediately but we can guarantee that you will sleep better at night. If you look at the indexes over history recovery almost always takes more time than the declines. The declines are the result financial weakness and of panic selling wheras the recovery requires the rebuilding of confidence. Which do you think takes longer.
How many of you readers know of Wil Rogers the famous humorist. He was once quoted "I am more concerned with the Return Of My Money than I am with the Return On My Money" Return Of My Money is SAFETY and The Return On MY money is GROWTH. We can help you with BOTH!!!
If your current financial advisor has not told you about them I have to ask just one question. WHY NOT??? Whose interests are they looking out for?? How can we help you protect and diversify your assets??
polarisfinancialservices@gmail.com
www.columbusfinancialplanningpros.com
Sunday, August 24, 2008
Savings and Inflation
There was an article in the Dispatch today August 24, 2008 talking about "Who's helping savers fight inflation"
The answer is it's not the banks or money markets. The article states the average inflation rate is close to 5%. More updated figures actually show that for the past 12 months the rate is actually 9.8%. This ties into some other blog topic I wrote about on August 21st. Bank CD rates were averaging 3.6% and average bank saving rates are 0.37% that is actually down from the 0.46% rate of last summer. It never ceases to amaze me that people will give banks their money for that poor a rate of return. You might as well burn 6-9% of your money per year if you insist on keeping large amounts of money in a bank. FDIC insurance up to limits exists but what about inflation risk? The comment I made about burning money is real and it represents the inflation risk! FDIC Insurancedoes not protect against inflation risk. That is your responsibility together with a good financial advisor who understands and endorses safe money strategies to PROTECT YOUR MONEY.
Almost no one is speaking out for the savers. Greg McBride an analyst for BankRate.com was quoted as saying "for the past 12 months there has been a double whammy for savers as interest rates have fallen and inflation has increased"
He is absolutely right. There are alternatives for smart savers or investors! It is not possible to properly plan for or take care of your retirement at these rates!!
How can we help you?
website
www.columbusfinancialplaanningpros.com
The answer is it's not the banks or money markets. The article states the average inflation rate is close to 5%. More updated figures actually show that for the past 12 months the rate is actually 9.8%. This ties into some other blog topic I wrote about on August 21st. Bank CD rates were averaging 3.6% and average bank saving rates are 0.37% that is actually down from the 0.46% rate of last summer. It never ceases to amaze me that people will give banks their money for that poor a rate of return. You might as well burn 6-9% of your money per year if you insist on keeping large amounts of money in a bank. FDIC insurance up to limits exists but what about inflation risk? The comment I made about burning money is real and it represents the inflation risk! FDIC Insurancedoes not protect against inflation risk. That is your responsibility together with a good financial advisor who understands and endorses safe money strategies to PROTECT YOUR MONEY.
Almost no one is speaking out for the savers. Greg McBride an analyst for BankRate.com was quoted as saying "for the past 12 months there has been a double whammy for savers as interest rates have fallen and inflation has increased"
He is absolutely right. There are alternatives for smart savers or investors! It is not possible to properly plan for or take care of your retirement at these rates!!
How can we help you?
website
www.columbusfinancialplaanningpros.com
Thursday, August 21, 2008
How To Minimize the Damage From A 9.8% Inflation Rate
Over the last 12 months the USA inflation rate is up 9.8%. Investing at a bank with an average yield of 1-4% means that before taxes you have a net negative return of 5.8-8.8%. Your buying power has actually decreased by that 5.8-8.8%. To make it worse you are getting taxed on the rate paid by the bank at a 15-33% rate even if you leave the money in the bank account. OUCH!! To asses the damage start with your earning rate subtract the tax rate you pay, then subtract the 9.8% inflation rate. This year that number looks like it will be a negative number for almost everyone. Minimize the damage! Protect your principal! Some years just staying even is a great place to be. Its better than a 20-30% market loss! Efficient money management is even more important in a bad year than it is in a good year. The impact on most people from 2001-2002 took 5-6 years to recover.
Let's repeat it again. Protect your Principal! Balance your assets with at least some no risk financial products. We can even create a lifetime income source that is not subject to market risk.
There has to be a better way! There is a better way! As long as the inflation rate stay this high there is no safe way to beat inflation and remain risk free. You owe it to yourself to get the best rate of return you can and maintain the highest degree of safety that you can in the process.
A 7.2% guaranteed rate of increase in an Income Account value with the potential of a higher rate of return depending on economic conditions seems to be about the best combination of risk-reward ratio I have seen in the last year. Hopefully the gas prices and commodity prices will continue to ease a little bit and the inflation rate for the next 12 months will be more moderate. Perhaps we will get back to a 2-3% increase in the Consumer Price Index (CPI). At that level you can actually grow your assets but until then most people will do well just to minimize the damage to their assets.
Contact us to arrange a no fee initial consultation. We can help you protect yourself in the bad years and take advantage of the good years all with little to no risk. If this is a philosophy that appeals to you we should certainly talk. Business owners and individuals can all benefit from these strategies. We can structure safer money planning into your retirement plans.
We can not help everyone, but how can we help you?
www.columbusfinancialplanningpros.com
Let's repeat it again. Protect your Principal! Balance your assets with at least some no risk financial products. We can even create a lifetime income source that is not subject to market risk.
There has to be a better way! There is a better way! As long as the inflation rate stay this high there is no safe way to beat inflation and remain risk free. You owe it to yourself to get the best rate of return you can and maintain the highest degree of safety that you can in the process.
A 7.2% guaranteed rate of increase in an Income Account value with the potential of a higher rate of return depending on economic conditions seems to be about the best combination of risk-reward ratio I have seen in the last year. Hopefully the gas prices and commodity prices will continue to ease a little bit and the inflation rate for the next 12 months will be more moderate. Perhaps we will get back to a 2-3% increase in the Consumer Price Index (CPI). At that level you can actually grow your assets but until then most people will do well just to minimize the damage to their assets.
Contact us to arrange a no fee initial consultation. We can help you protect yourself in the bad years and take advantage of the good years all with little to no risk. If this is a philosophy that appeals to you we should certainly talk. Business owners and individuals can all benefit from these strategies. We can structure safer money planning into your retirement plans.
We can not help everyone, but how can we help you?
www.columbusfinancialplanningpros.com
Saturday, August 16, 2008
Earn a 12 percent Bonus
If someone said that they would give you a 12% bonus when you decided to save money would you talk to them? Lets say you decided to save $20,000 for the next 10 years or longer. Your day one account balance would be $22,400. Would that get your attention? Every time you decided to put money aside for the next 5 years you can get an immediate 12% bonus. This works for your long term needs whether it is for your retirement or for college saving. This is in a ten year or longer saving vehicle, with a surrender charge if you decide to take your money and run before the surrender charge period expires. It does permit penalty free access to a portion of your funds annually.
You get a tax deferred growth strategy. No IRS 1099 form is generated until you withdraw money. You have a chance to make about 7% in an average year and the possibility of double digit gains of up to about 20 % in a great year. In a really bad year when many people are loosing 10-25% you won't lose a nickle! Each years gains are 100% vested. You have zero market risk of loss of principal. This is one option available from one of the top financial companies in the world. Oh by the way how about the ability to create lifetime income that you cannot outlive!
This is not too good to be true. It is available now but not for long. Numerous other products are available with similar features. A brief discussion can determine which is right for you.
Has your local bank offered you this? Probably not but maybe a toaster! Maybe 3-4.5%.
How about your local broker? Have they ever lost some of your money? If you are ready for diversification with safety we should talk. I am not saying do not put any money in a bank or a brokerage account. I have both. Banks pay low rates and brokers generally sell risk! Where is your safe money? Thats where we can help!
How can we help you!
www.columbusfinancialplanningpros.com
polarisfinancialservices@gmail.com
You get a tax deferred growth strategy. No IRS 1099 form is generated until you withdraw money. You have a chance to make about 7% in an average year and the possibility of double digit gains of up to about 20 % in a great year. In a really bad year when many people are loosing 10-25% you won't lose a nickle! Each years gains are 100% vested. You have zero market risk of loss of principal. This is one option available from one of the top financial companies in the world. Oh by the way how about the ability to create lifetime income that you cannot outlive!
This is not too good to be true. It is available now but not for long. Numerous other products are available with similar features. A brief discussion can determine which is right for you.
Has your local bank offered you this? Probably not but maybe a toaster! Maybe 3-4.5%.
How about your local broker? Have they ever lost some of your money? If you are ready for diversification with safety we should talk. I am not saying do not put any money in a bank or a brokerage account. I have both. Banks pay low rates and brokers generally sell risk! Where is your safe money? Thats where we can help!
How can we help you!
www.columbusfinancialplanningpros.com
polarisfinancialservices@gmail.com
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