Financial Plans

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Celebrate Your Personal Independence Day

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I hope you enjoyed your Independence Day holiday. As I was tending the barbecue and getting ready for our guests to come and celebrate the holiday with us, I started thinking about Independence Day and what it represented. Even though we like to barbecue, get together with friends and of course, see fireworks, there is a lot more to Independence Day than that. It is our nation’s birthday, the day we stopped being controlled by the British, the day we tangibly celebrate the right to control our own decisions about our future! We celebrate our right to envision, plan, and create the future that we aspire to.

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What Does it Take to be Happy in Retirement?

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Here at Gainer Financial and Insurance Services, Inc. we are dedicated to helping our clients create and enjoy a happy, fulfilling, and successful retirement for themselves. We help you eliminate the question marks in your life that could destroy that security and enjoyment. From wealth building to legacy planning there are a laundry list of issues that must be considered and planned for in order to enjoy that kind of worry free retirement.

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How to Have More Money When You Retire

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In my last article, I talked about upcoming changes in the Social Security laws and how that would change the options available to folks as they claim their benefits. Now that some of these changes have occurred, it is time to revisit this topic. In many ways, social security claiming strategies are now more important than ever. Understanding your options and coordinating a claiming strategy with your overall income planning can be the difference in running out of money and not, in retirement.

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Do You Have a Plan to Maximize Social Security?

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When it comes to Social Security benefits, most people don’t spend much time making a plan to get the maximum benefit available. As a result, the great majority of people are losing up to hundreds of thousands in benefits over the remainder of their lives. I hear the excuses all the time; “they (Social Security) are going to run out of money, so I better get it while I can”, or; “if I don’t collect early, I won’t break even until I am 77”, or my personal favorite, “I don’t feel like working any more.” Excuses like those are not part of an effective social security strategy to help you claim more money.

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The Five Lies You’ve Been Told About Retirement

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For nearly my entire career, I have focused on what it takes for someone to retire successfully and most important, enjoy a happy and secure last third of their life. I have seen many people who are happy and fulfilled with their retirement lifestyle. These folks are living their “American Dream.” I have met others who have stopped working and are technically retired, but they are stressed out and unhappy with their lifestyle. What is most interesting to me, their happiness does not appear to correlate with their net worth!

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Should I Be Selling My Stocks Now?

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Last April, I posted an entry on our blog called “What Should I do to Survive a Market Drop?,” I reminded readers that a significant correction was past due and I encouraged you to update your strategies in anticipation of a correction or worse. That was posted about a month before the market peaked in May of last year and markets have been generally down since.

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How Much Do I Need to Retire?

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This question comes up all the time. Depending on which website you visit, what commercial you see or what advisor you speak with, you keep hearing different answers to this question. No matter who you speak with or where you research, the answer to this question is usually expressed in numbers. You might remember a series of commercials a few years back that asked “Do you know your number?” This commercial showed a lot of folks running around with large numbers under their arms. Nearly all of those numbers were in the millions! I sure do understand how someone might have looked at the commercial and just given up. The thought process probably went something like this: “How am I ever going to save millions? I might as well not even try”.

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Does Your Spouse Know the Answers to these 7 Financial Questions?

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A few years ago, I was at a comedy show and the comedian joked; “Have you heard that half of all marriages end in divorce”? While most of the audience nodded, he continued; “Did you ever consider how the rest of them end?….in death! So when you get married, it is going to end badly.” Of course there was laughter, but today I hope to help you avoid making a bad situation worse.

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What Should I do with My Inheritance?

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At some point in your life you may have the good fortune to inherit money. Otherwise you may have a different type of windfall and “come into some money”. It could be a severance payment, lottery win or an IPO that explodes the value of your stock options. Making the wrong moves when you receive a large amount of money in a single transaction can lead to regret, stress and financial ruin.

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