(The screenshot above is from a website I use that allows you and me to know, with 100% certainty, how much guaranteed income the top 10 companies will pay you, every month, for the rest of your life...)
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Here are two things many Baby Boomers think about regarding their retirement:

• They wonder how much money they can withdraw from their Retirement Accounts every month without running out
• They don't know how long they'll live & they don't know what the stock market's going to do during their retirement years

Here's the guaranteed solution to both concerns:

• You call my office - (713) 206-3885 or (832) 356-SAFE (7233)
• You and I fill in the 4 blanks on the proprietary software screen with the answers to these questions:

1.  Amt you want to base your lifetime income on
2. Is money “qualified” (IRA, 401k, etc), or “non-qualified?”
3. Is lifetime income just for you, or you & your spouse, i.e. “single” or “joint?”
4. Your current age (& spouse’s age, if answer for #3 is you & your spouse)

When we press "Enter," you and I will instantly see the guaranteed lifetime income offered by the top 10 companies in Texas - on one screen, we'll see what these companies will guarantee you, whether you want to start income immediately or wait up to 25 years.

These companies are competing with each other for your business, and you can instantly see which company is offering you the highest guaranteed income.
 
In a matter of minutes, you'll go from "not knowing" to "knowing," with 100% certainty, what your guaranteed income will be for the rest of your life and the life of your spouse, with the balance in your account going to your heirs when you and your spouse pass on...

Don't know about you, but in my book, that's called "Problem Solved."

If you have questions, or if you'd like to run this analysis, just send an email or give me a call...
Best regards,

Rick Dennis
"Your Retirement... Insured & Guaranteed!"
rick@SafeMoneyHouston.com
(713) 206-3885
(832) 356-SAFE (7233)

Hanging out with "Mattress Mack" Jim McIngvale after hearing his very inspirational talk at this morning's Prayer Breakfast at St. Pius X High School - Prayer Breakfast sponsored by Catholic Radio KSHJ - AM 1430...

Answer:  When that 50% gain is actually "locked in" and it can never be lost when the stock market crashes or declines.  
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Check out the spreadsheets below - they're comparing how the performance of a hypothetical fund based solely on the annual returns of the S&P 500 Index (the columns with the blue heading) compared to the performance of a Fixed Index Annuity over the recent 20 year period of 01/01/1999 - 12/31/2018.

The first spreadsheet compares the performance of the stock fund and the annuity without any withdrawals, and the 2nd spreadsheet compares their performance while withdrawing the classic 4% per year.
 
In both spreadsheets, although the stock fund received 100% of the gains of the S&P 500 each year the index went higher, it also received 100% of the losses during those years when the stock market declined or crashed (note the yellow highlighted cells).

As you can see, in both spreadsheets the annuity received 50% of the gains of the market each year, but received 0.0% of the losses.  

Fixed Index Annuities (FIAs) automatically "lock in" gains when the stock market moves higher, and then never lose any money when the stock market declines, so even with only "50% of the gains," the FIA ends up with 28% more money after 20 years than the stock market fund...

Do you have an IRA?  What about your spouse?  Do you or your spouse anticipate inheriting an IRA?  Here’s a “pop quiz” of 5 questions about the laws pertaining to IRAs:

1. Do you know how an inherited IRA is taxed versus a regular IRA?  What about if you’re a spouse who inherits an IRA versus children who inherit an IRA?
2. Do you know what a “stretch” IRA is, and how to make sure it’s set up properly, so your children and grandchildren can continue to defer income taxes?
3. If you inherit an IRA from one of your parents, can you roll it into your IRA?
4. If you inherit a 401(k) from one of your parents, how is its tax treatment different than if you inherited an IRA from a parent?
5. Did you know you can convert your IRA and/or your inherited IRA, both of which contain taxable money, into a tax-free account?

 
I could go on, but I think you get the idea – there’s a “right way” and a “wrong way” to set up IRAs, both as the current owner and as someone who inherits, or anticipates the inheritance of an IRA, to minimize income taxes.
 
You may not realize it, but your IRA beneficiary form is the single most important document in your estate plan.  It trumps everything, regardless of what a will, trust, divorce decree or other documents might say.     
 
If it’s been a year or more since you reviewed your IRA’s beneficiary form, it’s time to revisit the form now.  There are 10 specific things that need to be checked on your IRA’s beneficiary form, and a beneficiary “check-up” will ensure that your beneficiary documents are up-to-date and will accomplish what you want with your IRAs and other retirement accounts.
 
If you’d like to schedule a complimentary “Beneficiary Form Check-up” and double-check the 10 specific things re: your IRA’s beneficiary form, please give me a call…
 
Tax laws continue to change, so if you’ve contributed to an IRA, a 401(k), or other qualified retirement plan, or if you’ve inherited or expect to inherit part or all of a qualified retirement plan, give me a call to schedule your complimentary "Beneficiary Form Check-up"... 
 
Not seeking that advice could cost you or your heirs thousands of dollars!
 
Best regards,
 
 Rick Dennis