Retirement Council of America Inc.

Financial Advising

For some people, money is confusing, daunting—even terrifying. Fortunately, the Retirement Council of America, Inc. is here to help you reach financial goals through financial advising. Our financial advisors can provide you with a complete analysis of your current financial situation, help you plan for future expenses, and put you on the path for a successful retirement by recommending how to allocate and invest your money today. Aside from a comfortable retirement, you may also be interested in getting ready for education funds for children, pursuing a second career, buying a vacation home, or starting a business.

No matter what your needs are, we are here to help. Call us today so we can start planning your future.

Retirement Plans

Retirement planning, in a financial context, refers to the allocation of savings or revenue for retirement. The goal of retirement planning is to achieve financial independence. There are six essential retirement plans that you may take into consideration: Individual Retirement Accounts (IRAs) Roth Individual Retirement Accounts

401(k) Plans
Roth 401(k) Plans
Simple IRAs
SEP IRAs

They may seem hard to understand at first. But with the help of a trusted financial advisor, you surely can make a choice in no time. Call us today so we can start preparing for your retirement.

Annuties

An annuity is a lump sum of cash invested to produce a monthly stream of income for a fixed period or for life. The income can start now (immediate annuity) or in the future (deferred annuity). Annuities can be used as part of a retirement strategy. They are a popular choice for investors who want to receive a steady income stream in retirement.

Annuities work as follows: you make an investment in the annuity, and it then makes payments to you on a future date or series of dates. The income you receive from an annuity can be doled out monthly, quarterly, annually or even in a lump sum payment. The size of your payments is determined by a variety of factors, including the length of your payment period.

Considering annuities as part of your retirement plans? Call the Retirement Council of America, Inc. for professional financial advising.

Stock Market

The stock market is not only for young people who are known for taking risks. If you know how to purchase stocks and funds in a way that minimizes risks, then you can and should invest some of your savings in stocks after retirement to reap higher returns.

One tip for retirees is maintaining a well-diversified portfolio. One easy way to diversify is by investing in exchange-traded funds or mutual funds. Another tip is to seek out dividends. Many retirees invest in companies that tend to pay a higher-than-average portion of their profits back to shareholders.

The long-term benefit of investing in stocks is well-documented. If you are unsure of how to make the most out of the stock market, consult with your financial advisor today.

Securities

Many people entrust their life savings to the securities market without understanding what it is. This lack of understanding makes people prone to following bad advice as to when and how to participate in this market. Fortunately, our team of financial advisors is here to guide you invest in securities should this be a retirement investment you want to explore.

Securities refers to just about any negotiable financial instrument, such as a stock, bond, options contract, or shares of a mutual fund. They fall under three broad categories: Debt Securities (fixed income securities), Equity Securities (common stocks), and Derivative Securities (various forms of options contracts).

Investing in individual securities has its advantages. You can time the purchase and sale of securities to minimize the tax consequences. You can also hold securities long enough to avoid short-term capital gains treatment and realize your losses at a time when you are in the best position to claim them as a deduction. Last but not the least, you can invest only in companies you are comfortable investing in, with the level of diversification you desire and degree of risk you're willing to take.

Interested about securities? Know more about how you can get the most out of them. Call us today.

Investments

After all the years of hard work, who wouldn’t all want to sit back and enjoy the good life upon reaching retirement age? Many hold off saving for retirement because of the mentality that there are still many years left to save. Most financial advisors would tell you to beware of this thinking trap. It is best to not wait until you are nearing retirement because investments are meant to be long-term. So what investments are there to prepare you for retirement?

Real estate is one advisable investment for retirement because the value of property appreciates through the years. Another investment vehicle is stock investing. Stocks are advisable for the long-term – minimum of ten years – to minimize risks. This means that the prices of stocks go up and down over a set time period, and you can lose money. Mutual funds can also be an option. It is an investment vehicle made up of a pool of moneys collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and other assets which would have been impossible to acquire on one’s own.

People have different needs, which lead them to having different investment compatibilities. If you want to know which one suits your needs best, Retirement Council of America, Inc. is here to help. Call us today so we can start preparing for your retirement.