Welcome To SafeMoney.com
SafeMoney.com was created to assist you in seeing through the confusion called the financial industry. We have had the opportunity to see this industry from every angle: as financial advisors, as consumers, as consultants and currently as wealth planners to the consumer, and financial coaches to independent financial service professionals. We have had countless opportunities to see the difference that great financial advice can create.
Unfortunately we have also witnessed what can happen when people receive mediocre financial guidance: costly, unnecessary mistakes that put clients’ goals and dreams in jeopardy. Inspired by these experiences, we have built an independent network of top financial professionals in the country. Through our Safe Money Approved qualification process, we introduce those financial advisors to successful families whom they are very well qualified to serve.
If you are looking for a financial plan with an emphasis on retirement income planning, I’d encourage you to take a close look at the information provided here and ask us anything on your mind! Starting this website has not been easy, but it’s been a long time coming and I hope the thousands of people we advise each year will help to create a change in this industry and the way people just like you, get the financial advice you deserve.
We want to help you see through the smoke screen of retirement planning and help you get back to the basics, so that you can truly create a plan that is guaranteed to fulfill your expectations. Phone calls are always free, 100% confidential, and there is never an annoying sales pitch. Just good, quality advice, to help point you in the right direction. 877-GROW-SAFE (476-9723)
Do you know the 12 states without pension and Social Security Taxes?: Alabama, Alaska, Florida, Mississippi, Nevada, New Hampshire, Pennsylvania, South Dakota, Tennessee, Texas, Washington and Wyoming. Learn More
State-by-State Guide to Taxes on Retirees
WHAT IS SAFE MONEY?
Safe Money is "The Money You Can Not Afford To Lose"
The most valuable advice that I can give you about annuities and retirement planning is to make sure you ask your advisor the right questions.
Old 401K Questions? CD Questions? IRA Questions? Retirement Planning? You Need Answers... Get all the details NOW. There is NO obligation. Simply complete the form or call 877-GROW-SAFE. Without a secure foundation there is nothing to build on! "10 Most Important Questions You Need To Ask About Annuities"
Wall Street's Big Lie!
If you had $50,000 in the market, and your first year the market goes up 100%, you would have $100,000.
If the market the next year goes down 50% you would then have $50,000.
Wall Street would tell you it's a 25% Average rate of return! But you really got ZERO%! Do the math...
So, you've taken the advice of all the stock market gurus, and bought stocks only to see yourself lose money. This is the story for most people reaching retirement age, who bought into the idea that buying stocks would insure a comfortable retirement. Unfortunately, for them no one mentioned the risk involved and the potential to lose the majority of their retirement savings. The true risky nature of investing in the stock market isn't apparent until they begin to lose money, this right around the same time that their stock broker admits that stocks are inherently risky and promises that things will get better. Well things have not gotten better! If fact they have gotten worse.
When most people think about annuities, they think about lottery payouts and game show payouts that are annuitized over several years. One question you should ask is why are these prizes offered as annuities instead of as lump sum payouts? The main reason why they are offered in the form of an annuity is because underwriters know that they can earn interest on the annuity and recoup some of the money they are giving away as a prize. For you, and annuity equals a safe haven where you can earn interest on your money without all the ups and down of the stock market. The only directional change that annuities have is upward. Every year you will collect a specific amount of interest. You will no longer have to worry about the economy or what the politicians are up to.
Who Buys Fixed Indexed Annuities?
Consider the safety in an annuity to protect your hard earned retirement savings. People purchase an index annuity because they are not satisfied with the returns from their CDs and fixed rate annuities, and don't have the time for the stock market. If you have sufficient time to recover from potential losses, direct stock market investments should give you a higher return than indexed annuities. However, if your timeframe is too short to recover from a potential bad market, or you simply don't like the idea of possibly losing principal, index annuities are used as an alternative savings vehicle to bank instruments, fixed rate annuities, bonds and mutual funds.
The highest indexed annuity interest rate credited for one year was over 40%., but during the millennium bear market most index annuities credited 0%. Index annuities have been around since 1995, and since then, we have seen the strongest bull market in years - with five years of high double digit stock market gains, and the worst bear market in three generations. Index annuities are designed to provide a return somewhere between stock market vehicles and savings instruments and they have been performing as intended.
Retirement planning used to be simple. As long as you worked for 40 years at one company you would retire with a pension that would last your lifetime. But, today most pensions are no longer affordable for companies to offer their employees therefore leaving the planning up to you. Plus the environment we live in is much more complex & confusing when it comes to taxation, inflation, life expectancy and risk!.
I hope that by reading this information you are now armed with knowledge that will help you make the right decisions based on your needs and goals. If you know anyone else who may benefit, feel free to send them a copy. Or better yet, just have them go to SafeMoney.com and request their own. It is my wish that you do the best you can with the resources you have. Continue to educate yourself, and surround yourself with those who care about your well being more than their own. Never assume there is only one correct way to do anything, including investing.