We Fix Retirement Plans
Virtually all retirement plans are ‘broken.’
There are vast financial inefficiencies built into almost every retirement plan, and those plans almost always bear far more risk than they need to.
Financial Inefficiencies
Risk Inefficiencies
What Is An Optimized Retirement Income Plan?
It maximizes access to reliable, sustainable, income – and
It minimizes or eliminates the Five Retirement Risks:
- Risk of Running out of money – This is the number one fear of those entering retirement – yet this risk can be completely eliminated in most cases.
- Risk of Principal Loss – ongoing exposure to market risk is not necessary as our financial priorities shift from accumulation – to preservation and income.
- Future Tax Rate Risk – There are at least three retirement taxes that will go up over time – even if tax rates never change
- Fee Drain Risk – Most retirees will pay more in investing fees in 25 years of retirement than they paid in 40 years of accumulation –unnecessarily
- Long-Term Care Risk – Most retirees do not have a ‘backup’ plan in the case of a costly long-term care event.
How Do I Know My Plan is Financially Efficient?
7 questions to reveal your retirement plan’s inefficiency:
1. Do I know how much income I can take out of my nest-egg?
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With the certainty I’ll never run out
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No matter what happens in the market or
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How long I/we live?
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2. Will my retirement assets/income be immune from future tax rate increases, or could future tax rate increases force me to reduce my lifestyle?
3. Could my lifestyle be impacted if there was a downturn in the market?
4. Does my retirement plan immunize or limit the taxation of my Social Security benefits?
5. Does my retirement plan minimize my Medicare premiums and protect me from IRMAA penalties
6. How much of my ‘income capacity’ is being siphoned off in investing fees, costs, and commissions?
7. Do I have a backup plan if our monthly living expenses increase sharply due to a long-term care event?
Our Expertise
Financial Advisors don’t put their money where their mouth is. We do – and with confidence.
Our Experience
Our advisors have decades of experience helping create a protect wealth. We offer solutions that solve some of the toughest retirement challenges.
Our Process
Finding every opportunity for improvement takes a meticulous, forensic process that puts outcomes first.
The Velomon Strategy
IRA Conversion - Does It Make Sense?
Converting a traditional IRA to a Roth should be a very simple decision.
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- If the cost of conversion is less than the cost of not converting – make the conversion!
- If the cost of converting is more than the cost of not converting – stay the course!
The challenge is knowing the true cost of conversion…
Why? Two reasons.
- There are ways to discount the conversion tax itself – which means the ‘investment’ can be lowered – often significantly.
- There are actually 8 different retirement taxes on a traditional IRA that often only show up when it is too late to do anything about them.
If you aren’t sure, you could be risking a huge portion of your retirement savings.
Slash Your Roth Conversion Tax
How We Do It
Take The Million Dollar Challenge
There are are HUGE inefficiencies in our financial lives.
The Million Dollar Challenge process identifies, values, and recaptures those inefficiencies. Our process finds you lifetime value that would be otherwise hidden from you.
Our Guarantee
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- Without requiring more savings
- Without inflating the rate of return
- Without imposing more risk on your savings, and
- Without using objectionable products/strategies.
