Market Corrections Happen: Is Your Plan Ready?

9.26.25: Audio automatically transcribed by Sonix

9.26.25: this mp3 audio file was automatically transcribed by Sonix with the best speech-to-text algorithms. This transcript may contain errors.

Speaker1:
Any examples used are for illustrative purposes only, and do not take into account your particular investment objectives, financial situation or needs and may not be suitable for all investors. It is not intended to predict the performance of any specific investment, and is not a solicitation or recommendation of any investment strategy.

Speaker2:
Welcome to Retirement Results, the national radio show and podcast for listeners like you who want to protect and grow their hard earned money. In a world filled with so much uncertainty and financial risk, we seek to cut through the noise and build successful plans for hard working Americans on their road to financial freedom. Retirement results is powered by Active Wealth Management, a team of fiduciary advisors who always place your needs first. And now your host. He's a registered social security analyst, member of the Forbes Finance Council, and author of multiple books on retirement planning. Here's your chief financial adviser? Ford. Stokes.

Speaker3:
And welcome to retirement results result drivers. I'm Ford stoker, chief financial advisor. We got Sam Davis here with us who is on the mic. He's our senior financial advisor and co-host. Sam, say hello to everybody.

Speaker4:
Welcome to the weekend result drivers. Thanks for tuning in once again. Hope everybody is enjoying the first chapter of fall. It feels good. Ford. There's some leaves starting to fall, some great college football games on TV. And this weekend my eyes are going to be locked on the Ryder Cup that is happening at Bethpage State Park up in New York, and we'll be cheering on the Stars and Stripes.

Speaker3:
Yeah for sure. I mean, you and I are two of the biggest us Ryder Cup team fans that I know. Um, and what's interesting is both of us have been to losing Ryder Cups. It's, uh. It's awful. In 2004, I was at the, um, the real mess in Detroit when, uh, you know, when Phil Mickelson inexplicably changed drivers the week before, um, and we got killed in that one. Um, got to meet Tiger Woods, got to meet, um, Phil and all that stuff then, but we got drilled. So that's the only Ryder Cup I've been to. And then you went to the one in Rome last year and two years ago. Yeah, yeah, two years ago. Excuse me. Sorry. Last time. And that was a tough first day.

Speaker4:
Yeah. Yeah. It was it was tough. In fact, I distinctly remember at the end of that opening session when the US failed to put any points on the board finding the only Americans we could in the area where you could get, you know, food and beverage and just trying to get some energy going for the team and finally did score some points in the afternoon session. Got to see Jordan Spieth, uh, chip in and saw some incredible shots from from really the whole the whole team. But, uh, yeah, that was that was a tough one. And hoping that the US can kind of turn the tide and reclaim the Cup in New York. It should be a fantastic weekend. So hope everybody, uh, is enjoying the weekend and you get a chance to tune in.

Speaker3:
Yeah, absolutely. We're we're big Ryder Cup fans. So everybody go USA pull for the US. Uh, a lot of experts are picking the Europeans to win this time, which I certainly hope doesn't happen. Um, where are my American flag hat and my red, white and blue shirt from TPC Sawgrass just for this occasion? Uh, if you want to check us out, you can check out the video on the episodes on Retirement Comm. On today's show, we're going to talk about retirement results. We're going to talk about ideas and topics that can help you generate a positive outcome for your own retirement. We're going to try to build that tax efficient, fee efficient and market efficient portfolio for you. We're also going to work hard to help you protect and grow your hard earned and hard saved wealth. And also, Sam and I've got a little bit of an announcement we want to make. So we've been on Am 9.1 the answer for almost six years now, and we're on Wdan. And our last radio show will be November 2nd, Sunday, November 2nd. We've chosen to kind of focus our efforts on our podcast that continues to grow and grow and grow. We're up over 200,000 YouTube video views as an example. You know, we love our family at Am 920.

Speaker3:
The answer? We've been a little bit, you know, sad that we haven't been able to move to the FM dial. Um, we were also hopeful to get kind of a weekday show because we are the number one listened to radio show on the weekends on Am 920. Answer. Some of those things just haven't happened. But November 2nd, if things don't change, will be our last final show on Am 920. Answer um. In one. So, you know, we wish all those stations and our families over there all the best. We we really appreciate everybody. But at the same time, you know, times are changing and we need to focus in on our digital footprint and also our podcast outreach. It's not too dissimilar from what Laura Ingraham did when she left, um, terrestrial radio and went to podcast one. We're we're just trying to figure out how to really get out there and get our our podcast, the retirement results podcast that you can hear anywhere you get podcasts, but also check us out at retirement. Com uh, it's a big decision that we've made. Um, but it's been a collective decision between Sam and myself and Sam. I just want to thank you for, you know, being the co-host on terrestrial radio with me and, um, you know, for over five years, and, and I think it's been great.

Speaker3:
We're not going off the air today, but we are looking at November 2nd is likely going to be our last day on the radio. Our last show on the radio. Also, if you want to get in touch with us and you want to build your own successful retirement plan, all you got to do is reach out to us. At Retirement Comm. You can click that schedule a consultation button in the upper right corner. Um, again that's retirement. Com and click that schedule a consultation button in the upper right corner. Sometimes it's tough for people to remember a phone number. Um, so retirement results.com is where you ought to go, but I'll give you a phone number again as well. Our our local phone number is (770) 685-1777. Again, that number one more time is (770) 685-1777. If you've been a long time listener of this show and have never called our office, we would really hope you'd call us here this week. Uh, Diane and her team are standing by, not ready to take your calls. So all you gotta do is call us at (770) 685-1777 or visit. Retirement. Com.

Speaker4:
Yeah, just a big thank you to all of our listeners. And if it sounds like bad news, you know, the good news is you can continue to listen to us wherever you get your podcasts. So if you're on your smartphone, download any podcast app. I use Spotify, a lot of people like Apple Podcasts, and you can even listen on Pandora. You know, just search retirement results and you can subscribe. It's completely free, and you can browse all of our past episodes and listen to all new episodes, which we will continue to push out. But it's been fantastic connecting with people through the radio. I come from the radio and the broadcast industry, so I always love talking to people over the phone that we've been able to reach through the radio, and we're going to continue to connect with people through the podcast and our YouTube channel, and also at all of our workshops we do around the Atlanta area. So we may be going away from the radio, but we're not leaving here. Uh, active wealth definitely has its flag in the ground, and we're going to continue to help people as long as we can.

Speaker3:
Yeah, we've got three offices. We've got an office in Alpharetta, our headquarters in Alpharetta. We've also got an office in Kennesaw, Georgia. Um, right off Chastain Road. And we've also got an office in Midtown, uh, near in the Colony Square office complex. Um, so, you know, reach out to us. Any of those as well. But again, retirement comm, our main corporate site is Active Wealth. Com. You can check us out, or you can give us a call at (770) 685-1777. We've been in that 12:00 hour on Saturdays for over five years. We've really grown that time slot. Um, it's been so great to be with each and every one of you during lunch on Saturdays, and then also from 11 to 12 on Sundays. Uh, you know, our family over at Amazon, they've done a great job because they're also giving us the 2 to 3 p.m. hour, trying to see if we can generate more calls and and see where it make it worth their our while to do that again. We do. We wish that Am970 the answer had moved and gotten an FM translator to move to the FM dial, and we also would have liked the opportunity to come to you every single day for one hour. Um, there's been a lot of talks about that never happened, but, uh, we really appreciate everybody over there at Am 920. Answer. And, um, that's also where I met you, Sam, and as a, as our producer. And so it's been a big deal for us. Um, we've obviously enjoyed our time at Am 920 answer. But we've we need to start focusing on the digital and the podcast portion plus our, our seminars as well. So we need to really focus in on that.

Speaker3:
And we're going to do that here going forward. Um, again, if you want to book a free or complimentary consultation with us and get a plan that can build for a successful retirement and get you the retirement results you're looking for. We encourage you to reach out to us at retirement. Com forward slash plan. That's retirement. Com forward slash. Again just remember retirement. Com. And you can also click the Schedule a consultation button in the upper right corner. Our phone number is on the website. But we'll go ahead and get started right away in helping you on today's show. We're going to give you hopefully before the end of this segment. We're going to give you a couple of financial wisdom quotes. We've got one from Charlie Kirk. As I promised, every single show moving forward, we're going to have a different quotation from Charlie Kirk, who I think is was one of the best Americans ever. And I'm a huge fan, and it's amazing what he was able to accomplish in his 31 or 32 years of being on this planet. And we wish he and his wife, his wife Erica and all their their two kids. All the very best. And, um, it was just tragic what happened to him a couple of weeks ago. And, you know, we're so sad still. I mean, I'm wrecked by it still. Um, we're also pulling for the Ryder Cup team, as we said. Come right back. Sam is going to share our Charlie Kirk wisdom quote of the week and our financial wisdom quote of the week. You're listening to retirement results on Am970. The answer. We come right back.

Speaker2:
We'll be back in just a moment to continue helping you navigate your financial journey. Stay tuned for more retirement results.

Speaker5:
And I'll see the light. We got a loving thing. We gotta feed it right. There ain't no danger we can go.

Speaker2:
Are you concerned about rising taxes and how that could affect you and your family during retirement? If you have an IRA balance over $400,000, you could save six figures in retirement taxes that you would be paying during a 35 year retirement. Find out how much you could save today by scheduling your no obligation Roth conversion consultation with Ford Stokes of retirement results. Learn more and schedule an appointment at retirement Results.com. Investment advisory services offered through Brookstone Capital Management LLC, a registered investment advisor. Visit retirement.com for more information. Schedule your free, no obligation consultation today by visiting retirement Results.com. Now back to the show.

Speaker3:
And welcome back to Retirement Results for adult drivers. I'm Ford Stokes the chief financial advisor. Got Sam Davis here with us on the mic as well as our financial co-host and senior financial advisor.

Speaker6:
And now for some financial wisdom, it's time for the quote of the week.

Speaker4:
The Constitution was not written for the times. It was written to stand the test of time. And our second quote of the week from Mark Twain planned for the future, because that is where you're going to spend the rest of your life. And I think Ford will be able to take this into the planning realm and the financial world, and talk about building a financial plan that can stand the test of time. There's some ways that you can do that to really create some guarantees for yourself in retirement. And there aren't a lot of guarantees in this life. But if you're looking to include guaranteed income as a part of your plan, we think that's something that's smart to do. And there's just a lot of strategies that you can start to implement when you take the time to take a step back and really start to build your plan from the ground up.

Speaker3:
Yeah, I think it's probably a good idea to go ahead and share. Here's what you get when you work with us. When you call us, I'd encourage you to go ahead and reach out to us at retirement. Com forward slash plan or call us at (770) 685-1777. If you want us to try to continue on Am 912. The answer one we want to hear from you as well. Uh, all you got to do is reach out to us at (770) 685-1777. Again. Right now, November 2nd is going to be our last show on on Am 920. Answer. Go ahead and reach out to us and we'd love to hear from you, especially if you've been a long time listener. We want you to be a first time caller and look forward to hearing from you. And all you gotta do is reach out to us at retirement results.com. So let me give you, first of all, kind of foundationally, what you get when you call us number one is we're going to do a portfolio analysis of your entire portfolio. We're going to help you understand what your expense ratio is and what your standard deviation is, which is a measurement of risk. We're also going to try to help you understand the fees you're paying, the risk you're taking. And kind of also the correlation of your assets.

Speaker3:
That's number one. We're going to give you that portfolio analysis absolutely at no cost. It's an institutional level. Morningstar report. We also do a quantity report. It's called KW. And so those are eye openers. Those are coming from a third party. Their objective not subjective. And they're very metrics driven. Number two is we're going to give you a Social Security maximization report, which is an RSA roadmap that is going to help you understand how to maximize the Social Security income benefit that you are entitled to. I mean, you've paid into Social Security for 40 plus years. Don't you think it's important for you to maximize the money that comes from Social Security? We do. That's why Matt McClure and myself both became registered Social Security analysts, and we're proud that we did that. So we're going to give you that RSA roadmap. It's going to help you maximize the Social Security income benefit. Because the Social Security income benefit, same as we've talked about, is going to be either the number one or number two source of income during retirement. Then number three is we're going to give you a retirement income gap analysis. So you're going to understand are you starting with a positive retirement income surplus with your current plan. Or are you starting with a negative retirement income gap.

Speaker3:
Number four is we're going to give you a financial plan to your 95th birthday with your current plan. That has nothing to do with us. You're going to understand what the expense ratio is in there. You understand what your advisory and portfolio fees are. You're going to understand, hey, here's what it looks like year over year all the way to your 95th birthday. Here's how much you're going to have in assets. We're going to give you also what your effective tax rate is for your federal tax rate. You can also overlay the 5% Georgia income tax on that as well. And so we're going to give you all that with your current plan. That's number four. So you at least you foundationally can start to go this is where I'm at currently. And then number five is we're going to give you a financial plan, your 95th birthday with our recommended portfolios. That also includes a strategic Roth ladder conversion plan to help you delete the IRS from being your partner within your retirement accounts. I think that's pretty attractive to a lot of people. It's about $2,800, Sam worth of free financial planning that we're giving to our listeners, absolutely at no cost to them. It's completely 100% complimentary. It is a huge value to get at least an idea of where you're at.

Speaker3:
So I would encourage you to reach out to us at retirement. Com forward slash plan. That's retirement. Com forward slash plan or call us at (770) 685-1777 to get that plan for the future. Because that is where you're going to spend the rest of your life. And also I just want to give Charlie credit, Charlie Kirk credit for helping us understand. Yes, the Constitution was built to stand the test of times not built for the times. And so we're really fortunate to be in the United States of America. Congratulations. You've won the lottery. If you've been born and you're raised and you're you're a native of the United States of America, it's the best country in the world. And we want to help you really enjoy your retirement in the best country in the world. Even if you want to travel to other parts of the world and come back, we want to do everything we can to to help you fund that successful retirement, whatever your vision for retirement is. And Sam, just your thoughts on the $2,800 in in actual financial planning and social security planning value that we give folks and including the retirement income planning that we give folks, I want you to dive in a little bit more about on the retirement income portion of the portfolio as well.

Speaker4:
Yeah. Well, I mean, it is true that Social Security is going to be either your number one or number two income source in retirement. So understand that as a fact. And if you're not doing everything you can to maximize that benefit, then I really feel like you're selling yourself short when it comes to your income in retirement. So that's really where we start in the cornerstone cornerstone of of our our plan building is what is that Social Security income benefit going to look like for you and for your spouse if you're married, you know, if you're married. And when the first spouse passes away, you're going to lose one of the two Social Security benefits coming into the household. That needs to be something that you understand and something that you can account for and backfill later on in your retirement, because most people are. If you're married in retirement, one spouse is going to pass away before the other. I'm sure you can think of situations in your own family or with your friends where that's been the case, and so you need to have a plan for how that income is going to change and and ideally increase throughout your retirement. For a lot of the income planning that we're doing for people, we're not just showing people, you know, what their number is going to be in retirement. We're showing them how that retirement income is going to grow throughout the 20 or 30 years that they spend in their golden years. And and that's really what we enjoy. We feel like once we're able to show people the way it's going to be with their income, give them that confidence to invest at their risk tolerance with the remainder of their portfolio. It is such a relief for people, and they're able to take that step into retirement with confidence, knowing that those checks are going to keep coming and they're going to keep coming from different sources.

Speaker3:
Yeah. We want to help you get truly diversified within your portfolio. Take the the income portion of your portfolio. That should be between 20 and 40% of your overall portfolio. And let's lock in and lock down that. So you cannot be exposed to market risk. Uh, let's do everything we can to kind of replace the bonds within the portfolio, um, as bonds or as interest rates are going down, some of the bonds you may hold may increase in value a little bit. But I think a lot of people are have seen the last four years that bonds have been really detrimental from a market value perspective within their portfolio. And as interest rates have risen, um, and they just didn't enjoy the interest rate risk volatility, if you want to get out of that interest rate risk game and you want to implement a new 60 over 40 portfolio with 60% stocks and 40% fixed index annuities that can get you the annuities alone will plus Social Security. If we do a great job maximizing your Social Security and a great job maximizing the income that comes from that 40% of your portfolio that is built for the income portion of your portfolio, it's likely you're not going to have to touch the other 60% if you've got a reasonable, uh, level of, of expenses each and every month. So I would encourage you to reach out to us at (770) 685-1777 again, (770) 685-1777. If you've been a long time listener and you've never called us, now's the time. And this weekend is the time to go ahead and pick the phone up and give us a call. Diane and her team are standing by on the weekend to take your calls. (770) 685-1777. We look forward to working with you and helping you build that successful retirement for sure.

Speaker2:
Call (770) 685-1777 to schedule your free, no obligation meeting with us today. You're listening to retirement results.

Speaker1:
Do you want a steady stream of income for retirement? Then it's time to consider annuities. I'm Matt McClure with the Retirement Radio Network, powered by Amira Life. Gone are the days when most employers offered pensions with guaranteed lifetime payouts to their workers. But what if I told you that you can build your own personal pension? It's possible with an annuity. An annuity is a financial product that provides a series of regular payments to an individual over a specified period of time, often for the rest of their life.

Speaker3:
There are several options for you to consider when choosing an annuity. Be confident in knowing that there is an annuity out there that can meet all of your needs.

Speaker1:
Fort Stokes is founder and president of Active Wealth Management and author of the book annuity 360. There are several different types of annuities, including fixed, variable and fixed indexed.

Speaker3:
A fixed annuity offers a specific guaranteed interest rate on their contributions to the account. A fixed index annuity is an accumulation based product offered by an insurance company. The growth of your fixed indexed annuity is dependent on the performance of a chosen stock market index, but your money is not actually invested in this index. This offers you great growth potential and exceptional protection for your investment.

Speaker1:
While each can provide tax deferred growth and a lifetime income stream, variable annuities put your principal at risk in the market.

Speaker3:
If you are currently investing in a variable annuity, your funds could be in serious trouble if the market experienced any downturns.

Speaker1:
With so many possible choices to consider, it's essential you speak to a financial advisor or professional to help you make the best decision for your future. So are you ready to consider an annuity as part of your retirement plan? It's a key question to consider as you approach what should be your golden years with the Retirement radio network powered by Emeril Live. I'm Matt McClure. Any bonuses mentioned may be subject to additional restrictions and regulations based on the offering. Annuity company you may not receive the bonuses if the contract is fully surrendered, or if traditional annuity payments are taken, and if the policy is partially surrendered, it could result in a partial loss of bonuses. Because these are bonus annuities, they may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don't offer a bonus feature.

Speaker2:
Thanks for listening to retirement results. Schedule your complimentary financial consultation now at retirement Results.com or by calling toll free at (888) 814-0304.

Speaker3:
And welcome back to retirement results on Fort Stokes, your chief financial advisor. We got Sam Davis here with us on the mic. He's our senior financial advisor and financial co-host here on the show. So, Sam, we try to get to it, but we didn't. Last segment we're going to talk about what is sequence of return risk and why it matters. And then also we've got three market volatility facts we want to share with the folks. Go ahead and share a little bit about sequence of return risk for our listeners if you would.

Speaker4:
Yeah. Just want to make sure that people understand what this is. So sequence of returns risk. You know imagine a situation where you retired in 2007, right before the financial crisis that we experienced in 2007 and 2008. Those early losses in your retirement portfolio, combined with those withdrawals, you're actually starting to pull assets out of your portfolio for income. That's really a double trouble situation. So if you're retiring during a downturn, pulling money from investments while they're down, you're really locking in those losses and reducing that base, reducing that principal that your future growth really relies on. So if you take a look at two retirees, just retiree A and retiree B, you know, you could have the same portfolio but with very different outcomes if one retires into a bull market. And Ford, we were talking during the break, if you look at the S&P 500 over the last five years, it's up approximately 100%. So if you're listening to us right now and you retired five years ago, you're probably feeling really good. Even if you're just an average, you know, set it and forget it. Investor in the market. But if you retire into a bear market now, that is where your plan is really going to get stressed.

Speaker4:
I mean, think about it. In our own lives, when are you really tested? It's not during the good times. It's during the bad times. You know, that's when you find out how strong you are. That's when you're going to find out how strong your retirement plan is. And wouldn't you want to make sure that your plan is up to the task before you retire? You know, make sure you get that boat Inspected before you go out on a long journey where you're going to be crossing some uncharted waters. And really, that's what it's about for it is making sure that we've adequately protected someone's portfolio that they've worked so hard to save. They've worked 20, 30, 40 years, maybe even longer at a career. You know, we say it's it's hard to earn the money, but sometimes it can feel even harder to save the money rather than just go out and spend it, enjoy yourself on the weekends. So if that's so important to you, you've got more to lose than you've ever had before. Take the time to make sure you're protected from these risks and sequence of returns. Risk is one of those.

Speaker3:
Yeah, we we try to do everything we can to help people mitigate sequence of returns risk by investing 20 to 40% of their assets in a bond replacement strategy with fixed indexed annuities. Let me give you two fixed indexed annuities here. And we're going to in the beginning of segment four we're going to have our beating the Bank CD segment. We've got an exciting product we want to share about that too. But the first one would be the speed of synergy choice bonus ten. We've talked about that product. We've also talked about the nationwide peak ten. We're going to talk about those two products today. But the synergy choice bonus ten from a speed it's an A minus rated carrier, but they're giving you a 15% immediate bonus. But the coolest thing about that product is one, there's no fee. And second of all, they're giving you 75% of how the Vesco Q-q-q index performs. So if I were to just ask you, as you're driving around going to Lowe's, Home Depot, Kroger, Publix, or wherever you're heading to lunch, what what if I were to ask you, hey, if I can get you 75% of how the Invesco Q-q-q performs without any downside financial market risk, without any risk of loss of your principal, would that be of interest to you? And I would imagine you would answer me with an affirmative. Yes. So let's look at potentially replacing bonds with something that gets you market like gains. I mean, you can get 75% of how the Invesco Q-q-q performs and get a 15% immediate account value bonus that's going to vest over the life of the annuity, which is ten years, that they're giving you 15% up front for free.

Speaker3:
So that's pretty good. But the most exciting part of that is getting 75% of how the Q-q-q performs without any market risk. Number two is that nationwide P ten, the nationwide P ten is now increased to 25% bonus on the income value, which is what you're going to get paid out of. And then they're also giving you 310% of how the BNP Paribas Global H factor Index performs. And they're going to give you 8% guaranteed interest into the income account each and every year that you defer withdrawals where you don't take withdrawals. We have a an incredible amount of folks that have bought the nationwide peak ten. They really like that product. It's a two year point to point, and there's a 1% fee and a 1% spread rate. But we're getting 310% of how it performs and getting 8% guaranteed into the income account and getting 25% in the income account on the front end. That more than makes up for the 1% fee and the 1% spread rate. That is really exciting. Um, and I would encourage you to reach out to us if you want to get your own illustration of either one of these products. Go ahead and reach out to us at Retirement Comm. Click that schedule a consultation button in the upper right corner, or just call the phone number on our website at retirement dotcom or active wealth com. And now Sam, let's go ahead and share those three market volatility facts we were trying to do last segment.

Speaker4:
Yeah. So the first one the S&P 500 averages 3 to 5 corrections every year. And that could be defined as a drop of 5 to 10%. Um, that happens pretty regularly, 3 to 5 per year on average. So understand that volatility isn't rare. It's actually something that's routine. Uh, a lot of you probably remember the little drop that we had back in April. Uh, if you look at the year to date performance of the S&P 500 or really any major stock market index, you're going to see that dip in April. And that's something that, you know, maybe not one of that size, but the S&P 500 averages 3 to 5 dips every year. Uh, fact number two, more than 70% of the years since 1980 have had a market drop of ten or more percent, but still ended up positive. And I think that's the most important point forward, is that if you're somebody who's watching the market day to day trying to manage your own investments, and you're really getting caught up in the emotions of the swings from week to week, you can put yourself in a tight situation if you're locking in some losses. Remember, the key to success is buy low, sell high. You want to follow the sage advice of Warren Buffett. It's really more about the time in the market, not timing the market. So understand more than 70% of years, the last 45 years, we've seen a drop of ten or more percent.

Speaker3:
Let me just ask you a question. If you're driving around listening to us or you listen to us on the podcast, do you want to take a 10% drop in income during retirement? Probably not. And so if that's the case, then what you ought to do is lock in the income portion of your portfolio. The 20 to 40% of your portfolio with fixed index annuities. Replace the bonds, get rid of the interest rate risk, and make sure that you don't take that 10% drop in your income. And what's great about fixed indexed annuities is zero is your hero. Your principal is 100% protected because it's invested in the ten year US Treasury. And then you can then, you know, enjoy the gains that is generated from the interest that's invested into the options of the underlying index that's attached to your annuity. That's how those work. They, they they take 100% of the money you give them because because annuities are regulated by the states, they have to balance their budgets. So the annuity company has to invest 100% of the money you give them into the ten year US Treasury. They can then only take the interest that's generated from the ten year US Treasury and buy options on those, and they keep a portion of the gains and they give you a portion of the gains.

Speaker3:
But you're getting the lion's share because it's your money. That's a much better way to go with those hybrid type products than sit there and try to deal with, oh gosh, are my bonds going to be okay? That doesn't make sense to me. So I'd encourage you to try to replace the bonds in your portfolio. And let's avoid those 10% drops in both the market and the bond market. Um, used to be where money would rush from stocks into bonds in a bear market. Doesn't necessarily happen that way anymore. It rushes into real estate. It rushes into other things less rushes into cash and stays there. So we got to do better in interest and growth than just putting it in coffee cans and burying them in the back of your in your backyard, or putting it under the mattress. We've got to do a great job at replacing the bonds within our portfolio and investing into really high quality a rated and above carriers, um, or at least triple B+ rated carriers and above highly rated carriers to make sure that we can count on them to pay our money back to us.

Speaker4:
Yeah. And it's okay if you enjoy trading in an investment account and you enjoy, you know, managing some of your own trades and, you know, doing stocks and and all those sort of things, but don't risk your income in retirement. That's the important thing. Make sure you've got that protected before you start having that investment account that you have for fun. And then fact number three Volatility often spikes right before or right after big news headlines, but usually settles fast. So think back to the dip that we saw in early April that was really surrounding all of the news with the new tariffs that Donald Trump announced. So we saw some spikes there, but things settled and kind of regulated themselves shortly thereafter. So whether it's interest rate hikes, tariffs, elections, job reports, markets often react fast but then rebound just as quickly. And Ford, that's why it's so important to really build your plan based on a long term sound financial strategy.

Speaker3:
Yeah, I mean, the you know, the Bible says don't build your house on sand, right? Build it on bedrock. Uh, we would say the same is true for your portfolio. Let's let's get some foundational, um, elements to it with a fixed index annuity. We'll talk more about how to build that successful retirement and how to build the retirement results you're looking for in this last thing. We're also going to have our beating the Bank CD segment too, right after the break. You're listening to retirement results on Am 901.

Speaker2:
Hang tight. We'll be right back to continue helping you navigate today's financial landscape. Stay tuned for more of retirement results.

Speaker7:
Nothing I could do. Change your mind. I'm so in love with you. Too deeply. You can't get out.

Speaker1:
You just fixed annuities, including multi-year guaranteed rate annuities are not designed for short term investments and may be subject to restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer.

Speaker2:
This part of today's show retirement results is available wherever you listen to podcasts and online at retirement results.com.

Speaker3:
And welcome back to retirement results. I'm Fred Stokes, chief financial adviser. I've got Sam Davis here with us, our senior financial advisor and co-host on the show. So, Sam, let's go straight into it. Let's do our beating the Bank CD segment.

Speaker2:
Need a higher rate of return from your safe money? Listen up. It's time to beat the bank CD rates.

Speaker3:
So there's a new multi year guaranteed annuity offered by revel. Revel. They are a triple B plus rated carrier annuity carrier. So they're they're considered a highly rated carrier. They're offering a 6% compounded interest each and every year for five years on a five year myga or a five year multi year guaranteed annuity. My guess is my IT stands for multi year guaranteed annuity. 6% is a lot higher than what you can get with bank CDs right now. And I would encourage you to go ahead and reach out to us if you want to get that 6% over the next five years, it's a really good idea. Go ahead and reach out to us at (770) 685-1777 or visit retirement. Com click that schedule a consultation button in the upper right corner. Or just give us a call again at (770) 685-1777. That's a 6% five year mega offered by revel, which is a triple B plus rated annuity carrier.

Speaker2:
It's time for this week's Problem Solver.

Speaker3:
We've had some really good problems to solve with a lot of our clients. We've had some significant growth. There's a lot of people have seen in the markets this year, in this first year of of President Trump's second term. And we have several folks that are more conservative that are like, hey, Ford, can I take 50% of those gains and put it into the Aspida synergy choice bonus or the Synergy Choice Max. The Synergy Choice Bonus ten is offering, like I said, a 15% bonus and 75% of how the Invesco Q-q-q performs. The Max offers no bonus, but it offers 113% of how the Invesco Q-q-q performs. It's a ten year product. It's got a the surrender charge goes down 1% a year. There's no fee involved, but they're they're making money off your money. Example, if you do the the bonus ten they're going to take, you're going to get 75% of how the Q-q-q performs. And they're going to take 25% of how the Q-q-q performs. So that's how they're making money off your money. But if you can get 75% of how the Q-q-q performs without any downside risk, why wouldn't you do that? Or if you want to forego the bonus and you just want to get 113% above the 100% level of what the Q-q-q performs, now's the time to do that and lock in. You're going to be able to lock in those PA rates for two years. So that's a pretty big deal as well. And the PA rate is a participation rate. So that's our problem solver is that a lot of clients right now are taking 50% of their gains over the past nine, ten months, and they're putting it into the Aspida synergy bonus, synergy choice bonus ten or the Synergy Choice Max.

Speaker4:
Yeah, and that's a fantastic result. And fjord, I just wanted to share a little problem solver of my own. If somebody I've been working with and they're about 6 or 7 years away from retirement, but they're doing a real smart job of building that solid plan in advance. When we took a look and did an analysis of her portfolio, we found a variable annuity in there. And that's always a red flag for us. So one of the first things we did is we call up that variable annuity company. I get on the phone with that client and start asking questions. You know, they give us permission to talk to that that variable annuity carrier and ask them questions. And we find out that there was over 3.5% in fees. And so we have much better alternatives for that product that is going to give this client a much better level of protection, much better from a fee standpoint, and much better performance on the guaranteed illustrations. The income that she would be receiving at age 64 was $10,000 higher per year on the product that we are replacing into. So if you have a variable annuity or even an older annuity statement, maybe somebody sold you annuity years ago and you want to, you know, get a look at that, you know, see what the fees are, see if there's some better options, especially right now with the fed just announcing a interest rate cut. You want to take a look lock in some of those ideal rates and some of those best case scenarios we have right now.

Speaker3:
Yeah. You ought to reach out to us at retirement. Com or call us at (770) 685-1777. Yeah. That's that's a really big deal. I think I think it's the right way to go. The fees that you're talking about, Sam, just for all the listeners out there, those are called fees with variable annuities. We we do not recommend that you purchase a variable annuity because of the high mortality and expense fees that do not occur with fixed indexed annuities, but they are present with variable annuities. So let's make sure that we avoid variable annuities and try to avoid those high mortality and expense. The subaccount fees and the admin fees that come with a variable annuities. If you've got a variable annuity or you've got an older fixed annuity or a fixed index annuity, or you've got a universal life policy, you've got any of those types of policies that have cash value or account value, and you want to get an x ray done. So you want to get a real look, a deep dive, look at the fees you're paying, the risk you're taking, all those kind of things. I'd encourage you to reach out to us at retirement results.com. Go ahead and click that schedule a consultation button in the upper right corner, and we'll get started right away for you. We can't wait to help you better maximize the growth on that money for sure.

Speaker3:
All right, now, Sam, let's just quickly go over why people need a comprehensive retirement plan. I mean, too many people think retirement is just about rate of return. Many have no idea kind of what's in their bond portfolio. As an example, let's make sure we understand that and try to replace the bonds in the portfolio. Too many retirees also have no estate plan or legacy plan, and with our service, we're able to do an entire revocable trust for right around $2,800. We looked all over the place. We work with a licensed attorneys to do that, but we've seen estate attorneys trying to charge 10 to $15,000 for a revocable trust. Um, so if you want to trust, go ahead and reach out to us. You want to will reach out to us and we're happy to help you there. Also, people are living longer. You've got, you know, you've got a significant amount of folks that are going to that are estimated by the CDC to live to be over 90 years old. If you if both members of a marriage, both members of a couple, if they live to be over 65 years old, each there's over a 50% chance, according to the CDC, that at least one of them is going to live to be over 90. So you got to plan for your money to last longer than what it did for your grandparents.

Speaker3:
Also, planning with us means having an experienced team in your corner. We are doing bond replacements. We are utilizing tactical asset allocation and strategic asset allocation to to plan our portfolios. And we're also using exchange traded funds to implement our portfolios and try and avoid the mutual funds with the high 12 B1 fees and the high admin fees. We're trying to be much more cost effective and cost efficient for you as well. Also with with building that successful retirement. We always recommend you have a smart vision for your retirement. Understand what you're doing in retirement, where you're going to live. Who are you with? Who are you spending your time with, and how are you going to fund all the great things you're going to do in retirement? We also want to help you assess your current expenses on a monthly basis, and make sure that you're starting with that retirement income surplus, not a negative retirement income gap. And we also want to address major expenses, pre-retirement and also help you plan to maximize your Social Security and also plan with smart tax withdrawal strategies, including a Roth ladder conversion. And we want to turn your portfolio into an income generating machine that is going to deliver a whole lot of mailbox money. Um, and we're excited about that.

Speaker8:
It's the final countdown.

Speaker2:
So let's recap what you may have missed. It's the final countdown.

Speaker8:
The Final Countdown.

Speaker3:
We packed a lot into this show. We did announce that November 2nd will be our last show on Am 920. Answer. And we're saddened by it, but we're going to we're really excited about the future and we're focusing on, um, our podcast that continues to grow and our YouTube channel. We encourage people to reach out to us at retirement. Results.com if you've been a longtime listener and you've never called us and you want us to stay on Am 912, the answer we need to hear from you. Go ahead and reach out to us. Call us at (770) 685-1777. We talked about the three market volatility facts. We talked about what sequence of return risk is. And we also talked about how to plan for that successful retirement. And we gave you a lot of quick elements here in segment number three. And Sam and I both shared um, some problem solvers where we've gotten folks that are have had some significant growth this year, and they're going to protect half of that growth and put it into the Aspida Synergy choice bonus ten um, and also we shared a great new, uh, beating the Bank CD product that is the revel, uh, product that that is offering a 6% interest guaranteed interest each year for the next five years. It's a five year myga. So if you've got questions about that, feel free to give us a call at (770) 685-1777. Again, if you're looking for retirement results and you're trying to figure out how to maximize your retirement and do the best you can and build that successful retirement, if you're going to be a bear, be a grizzly, seek as much information as possible and reach out to us at retirement results.com. Have a great week everybody.

Speaker2:
Thanks for listening to retirement results. You deserve to work with an independent team of fiduciary advisors that will strategically work to protect and grow your hard earned assets. To schedule your complimentary financial consultation, call us now at (770) 685-1777. That's (770) 685-1777. To connect with a qualified advisor. To learn more about our mission and our team, visit retirement Results.com. Investment advisory services offered through Brookstone Capital Management, LLC, a registered investment advisor and Active wealth Management are independent of each other. Insurance products and services are not offered through BCM, but are offered and sold through individually licensed and appointed agents. Investments involve risk and, unless otherwise stated, are not guaranteed. Past performance cannot be used as an indicator to determine future results.

Speaker1:
Registered investment advisors and investment advisor representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interest of our clients and to make full disclosures of any conflicts of interest. Please refer to our firm brochure, the ADV Two-a item four for additional information.

Speaker2:
Get started on your free portfolio analysis and financial plan right now by visiting Retirement Results.

Speaker4:
And welcome to the Retirement Results bonus segment for all of our listeners on Wdan and on our podcast feed, and also watching on YouTube as well. It's good to see you. And today we're talking about is your retirement strategy age appropriate? Because depending on where you're at in your life, I mean, I think about the rule of 100 that we talk about here on the show all the time, for you should have a different level of risk and a different approach. And so we're going to talk about how investing in your 40s, 50s and 60s, some of the differences and maybe some of the similarities as well. So starting with your 40s, you know, a critical period for building up that retirement portfolio, you're likely at a good point in your career when you're at your 40s, earning more than you did in your 20s and 30s. So that increased income gives you a good opportunity to boost your contributions. So make sure you're taking advantage of your workplace retirement plan, whether that be a 401 K, 403 B, maybe a 457. If your employer offers that match, take advantage of it. Make sure you're taking full advantage of the match because that free money can significantly enhance your retirement savings. So, Ford, how would investing in your 50s start to change a little bit from your 40s?

Speaker3:
Well, I mean, entering your 50s, your risk tolerance kind of begins to decrease as retirement nears. This is the time to start shifting your investments really towards balanced options, if you will, while you still have to a significant decade or more to grow your savings. Don't lose sight of preserving what you've really accumulated. And then also, one key advantage you want to think about here is during your 50s, the ability to make increased catch up contributions to your IRA, Roth IRA or other retirement accounts is really big. You get an extra $1,000 you can put in there and in IRAs and Roth IRAs. What I really would strongly urge a lot of, of our listeners and viewers to do is invest in your 41K. Try to get up to that 1,015%, but many of you might be able to also invest in either a Roth or an IRA, one or the other. And in addition to your 41K. So try to do that. And especially if your spouse is, well, if you have ordinary income and they don't if they're staying at home, um, and raise the kids or whatever they're doing.

Speaker3:
Um, also, I'd encourage you to consult with a financial professional specifically. I'd encourage you to consult with us, uh, the financial professionals and fiduciaries at Active Wealth Management. We're here to help you better protect and grow your hard earned and hard saved wealth. We're also going to help you build that tax efficient, fee efficient, and market efficient portfolio. But lastly, we're also going to really start honing in in your 50s and trying to figure out what kind of income do you want to retire at? And a lot of strategies go into that, like bond replacement and other things you can do, including Roth conversion. If you want to get more tax efficient with that retirement income as well, and also try to hone in on what your expenses are really going to be running during your retirement years. Have you paid the house off or not? There's a lot of factors here, and that's also why you really need to reach out to us at Retirement comm, and we'll get started right away.

Speaker4:
Yeah. And for investing in your 60s, this is really the fine tuning phase of your plan. It's that final stretch before retirement. And we think your investment strategy should reflect this. The primary goal should be to protect your investment and then grow. That's why here at retirement results and active wealth management are saying is just that protect and grow. You want to make sure you have that steady income stream during your retirement years, not just Social Security, but really diversifying your income streams through things like pensions, through your through work, maybe even a personal pension that you set up through something like a fixed indexed annuity. And if you're in your 60s and you haven't already started working with a fiduciary or a licensed advisor, now is a great time to do so. Take advantage of our offer of a complimentary portfolio analysis and our free plans for your future in retirement. That's not just for you, that's for your entire household and anybody else that you really feel like we could help. We try to give people as much information on the front end to help them make the best decisions about their future.

Speaker3:
Yeah. And in your 50s specifically, I want to see you trying to save at least 15 to 20% and invest that in your 41K and IRAs or Roth IRAs, even setting some money aside, um, into a fixed indexed annuity in your 50s and let that just sit there and grow, especially if you can you can try to collect $100,000, some at some point in your 50s, and put that into a fixed indexed annuity. That's a good idea. And then your 60s. Well, we really like to see is we like to see you saving at least 20 plus percent and getting started and ready for that retirement income planning and that expense planning too. Um, listen, we're going to do all this for you. We're going to do the portfolio analysis for you at no cost. You can understand the risk you're taking, the fees you're paying, um, with your current plan, and also talk about how you can get to a more tax efficient, more efficient, and more market efficient, uh, plan, as we talked about earlier in that 50 part of this segment. Um, go ahead and reach out to us at retirement. Com you'll be glad you did. We'll do everything we can to get you on the right path with that successful retirement.

Speaker2:
Call (770) 685-1777 to schedule your free, no obligation meeting with us today. You're listening to retirement results.

Speaker7:
Maybe you love me now, baby. I'm sure.

Speaker3:
Hey, this is Ford Stokes with active wealth management and retirement results. You've gotten used to getting higher interest rates on your savings accounts and bank CDs, but the fed has been lowering rates. If you are 55 or older and have at least $250,000 to invest, and you'd like to lock in to higher interest rates, we can help. Currently, we can lock in income payout rates as high as 8%, 9% or even 10% guaranteed for life. Even if interest rates drop back down to 1% or lower, you'd be locked into higher income payout rates for as long as you live. You can do this with your IRA for one, K for three B pension, rollover, current bank savings, or even brokerage accounts. Schedule your free meeting with us at active Wealth.com, and we will help you battle lower interest rates by locking in great income payout rates for the rest of your life. Call our office today at (770) 685-1777 or visit active wealth.com.

Speaker1:
Investment advisory services offered through Brookstone Capital Management LLC, a registered investment advisor. Guaranteed income streams referred to fixed insurance products only and are subject to the claims paying ability of the issuing company.

Sonix is the world’s most advanced automated transcription, translation, and subtitling platform. Fast, accurate, and affordable.

Automatically convert your mp3 files to text (txt file), Microsoft Word (docx file), and SubRip Subtitle (srt file) in minutes.

Sonix has many features that you’d love including secure transcription and file storage, share transcripts, collaboration tools, powerful integrations and APIs, and easily transcribe your Zoom meetings. Try Sonix for free today.