What We Do

Retirement planning once meant coordinating pensions and Social Security to provide income. Today things are much more complex. The number one financial fear today is outliving your money! Addressing this requires a balance between investing for growth, while protecting the underlying investment, including: guaranteeing the investment principal and/or guaranteeing the lifetime income on the investment. Additionally, we incorporate strategies to lock in market gains that increase the account value or lifetime income protection! Bottom line, it is difficult to grow what you don’t protect.

RSG provides straight-forward advice about real life issues which can undermine your financial well being.  Due to longer life expectancy, protecting your home and assets from long term care nursing home expenses and today’s laws regarding Medicaid spend-down have become vitally important.  Finally, a sound financial plan should reduce or eliminate Federal Estate Taxes and Income Taxes on IRAs and other financial assets.

Retirement Income  Management

Retirement Income Management?  Is there really a difference between investing before retirement and after retirement?  Let us advise you on how to guarantee your lifetime retirement income regardless of market conditions. *

Today's retirees face unprecedented challenges and benefits that previous generations of Americans never considered.  A person considering retirement today has to be aware of:

• Increasing Stock Market Volatility
  

• Low Yields on Traditional CD's
  

• Higher Taxes / Lower Benefits
  

• Inflation / The Economy / US Debt
  

• Longevity / Outliving Your Assets
  

Of these issues the most challenging is perhaps Longevity.  Longevity risk is the risk created by living longer.  Today a couple age 65 has a 50% chance that one partner will live to 92.  That same couple has a 25% chance that one partner will live to 97.  The combination of longevity and the other factors listed above make living off of interest for 30 to 35 years seem impossible.

Retirement has changed.  Retirees have changed.  Retirement Income Planning has become more than important, it has become vital.

Retirement Income Planning considers factors beyond those of a simple accumulation strategy.  The first is recognition of the two major phases in a retiree's life:

Accumulation Phase (pre-retirement):

Accumulation assets for Retirement (401ks & IRAs) and/or children's Education

Distribution Phase (post-retirement):

Preserving & Distributing (may or may not be taking income) from your assets after you retire

Most advisors in the US don't even recognize that there are specialized considerations involved in the distribution phase of retirement.  The universal solution is the old retirement model of becoming more conservative as retirement nears.

A research report issued by FundQuest Inc.  in March of 2009 stated:

"The vast majority of advisors have limited knowledge in how to comprehensively plan, implement, and monitor retirement income because institutions and their advisors have been focused on investors asset Accumulation phase" (vs the Distribution Phase)

The Retirement Security Group understand's and applies compelling academic strategies to the production of retirement income and specialize in Retirement Income Management.

By focusing on research, innovation and application Retirement Security Group has set the standard for development of truly unique solutions to clients needs.

"Most Financial Advisors are missing the boat when it comes to using the new investments and strategies that are being designed for retirees"  Investment News DEC 07

Specializing in Retirement Income Planning

and Wealth Preservation.

Copyright © 2011 RSG Retirement Security Group. All Rights Reserved. Securities and Advisor Services offered through Silver Oak Securities, Inc.Member FINRA/SIPC

Disclosures necessary to provide investors with a sound basis to evaluate Retirement Security Group presentations:

*Guarantees apply to certain insurance and annuity products, including optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations.

*Investments that offer principal protection may carry limitations such as minimum holding periods or age restrictions.

*Guarantees associated with certain investment products may only be available for an additional cost.

*Investing involves risks, including the potential for principal loss and there can be no guarantee the strategies offered will achieve their intended objective.

*Investment Performance is Not Guaranteed

*Variable Annuities are long-term investments designed for retirement purposes. Variable Annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in variable annuity products will meet the stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value, even when an optional protection benefit rider is elected. All product guarantees, including optional benefits, are based on the claims-paying ability and financial strength of the issuing insurance company.

*Withdraws from variable annuities are subject to income taxes and withdraws prior to age 59 1/2 may be subject to a 10% tax penalty.

*Investment products and strategies carry risks and there can be no guarantee the strategies promoted will be successful or provide adequate retirement income.