1. Today, retirement can have many different definitions. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But, in order to retire and maintain your standard of living, you have to plan properly.

    It's important to reevaluate your portfolio risk from time to time. Markets change, interest rates change, and as you get closer to retirement it's necessary to make sure your exposure to risk is in line with your retirement goals.

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  2. Attention savers and investors nearing retirement.

    It’s amazing how many people don't own a fixed indexed annuity in their portfolio. It's easy to own, improves returns, and lowers risks. And yet most people don't take time to understand the benefits of this new asset class.

    Are you one of these people? Then take our fixed indexed annuity challenge right now!!!

    Call us and in just ten minutes you'll be surprised how a fixed indexed annuity can help improve your investment performance without the risk of stock market volatility.

    Learn how to participate in upside market gains without the downside risk.

    Call now to receive your free fixed indexed annuity report "diversify and prosper without market risk”.

    See what the experts say about how you can help grow and protect your wealth no matter what happens with the stock market.

    # vimeo.com/128147513 Uploaded 42 Plays 0 Comments
  3. Did you know that the government forces you to start taking required minimum distributions from all qualified monies including IRA's after age 70?

    This is why RMD's have been referred to as a double straitjacket. First, the government forces you to pull money out of your accounts and then you're required to pay taxes on the withdrawals!

    Now, what happens if you don't need this money? Or better yet, what if you prefer to pass this on to your loved ones?

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  4. What happens if you file for Social Security benefits before attaining full retirement age?

    For baby boomers born between 1943 and 1954, full retirement age for Social Security is age 66; At that point you are eligible to receive 100% of your benefit. If you apply before full retirement age, your benefit will be reduced based on the age you apply.

    At age 62, the earliest possible date you can apply, benefits are permanently reduced by 25% for the rest of your life.

    A $2,000 monthly benefit at full retirement age would be $1,500 at age 62 (not accounting for inflation.) Each year you put off applying for your Social Security benefits will increase your annual benefit.

    When you reach age 63, your benefit rises by 5%, another 6.5% at age 64, another 6.7% at age 65, and finally at age 66, you receive 100% of your full benefit. The Social Security administration encourages you to delay electing benefits even longer by tacking on an extra 8% increase for every year you wait beyond age 66 through age 70.

    So by waiting four more years, you can raise your annual benefit by 32%. Obviously, you need to take into consideration your personal financial situation before deciding to delay electing your benefits.

    Social Security is likely an important piece of your retirement income planning, but there is no one-size-fits-all strategy for claiming it.

    It is important for you to navigate your options and make informed decisions based on your unique circumstances. * Learn more about how to maximize your benefit in this short video*

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  5. Will you have adequate funds to provide the kind of retirement lifestyle you envision? Remember your income will likely come from three general sources: government pensions, employment-related sources and your own personal investments.

    Your retirement will be more enjoyable if your income is structured to fit your lifestyle choices and if you have developed a retirement plan to protect the assets you have worked hard to acquire.

    We can guide you through these important steps of your retirement income planning:

    Identify & compare your income and expenses to determine any shortfalls or surpluses.

    Review & analyze the various retirement income strategies.

    Review & compare the retirement income options available.

    Develop an action plan, while helping you stay on track.

    # vimeo.com/128185161 Uploaded 72 Plays 0 Comments

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