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And start things off with a retirement segment today from Nebraska I actually -- our you our first guest from Nebraska Scott and I practice your last name.
No not at all yes got not to golf which igniting yelling German yes as you told me don't really know that.
-- stone bridge insurance while management is joining us -- three main tips.
That people need to know last we've seen in the past decade or so.
The environment economically speaking radically change people are set up differently than they used today.
I'll be three main tips for making sure you have a decent retirement or in -- -- good retirement.
Well the first one is.
We we like to find ways to mitigate the downside thing you know if you look at an investor.
Women and S&P 500.
-- average would have been about 15% and you know.
15% nowadays it -- come it's very hard to come by if you taken investor that was in that same allocation 19992000.
They're down about 40%.
Well that because of the crisis right -- headliner they're down but what are some other reasons corporately speaking why the same profits are.
Just can't be reached anymore is this companies have squeezed so much out of their excellent work forces as it is or.
That will what is it the government certainly -- -- involved a lot more than we saw the stock market.
Go down when Bernanke talked about.
Slowing the turning of.
The -- anything.
And then it went right and that's -- an -- there's so there's more volatility is -- absolutely.
Okay he should limiting say -- say to do is make sure you have an advisor who has eighteen.
To help you out the more people to -- air and some senses well.
You know the same is -- get your general practitioner if you had heart problems you know there's different specialists in different fields so -- you know it went well.
When you when we are working with customers most of the time we're taking into account their taxes and that's -- very important.
So we're not tax professionals there are tax professionals in if were working with that states you need somebody.
That works in the law so and somebody can put together.
An estate plan as far as -- -- whether that's a trust.
Whether it's just the will do you need to protect.
What you're creating and that's where I -- in working with the insurance.
So using life insurance long term care making sure that.
We don't have physical financial and emotional consequences to our loved ones and he also have to have your advisor who's going to be.
Growing your money so you're saying you're pretty connected.
You need unity unity unity and a person -- fun dance and they can get their portfolios looking -- -- -- -- Absolutely you know the days of the one person that can do everything.
Those are far.
Oregon man as his -- -- complicate it.
You know it's too complicated there's a lot of moving parts you know you you just need somebody that's professional -- taken that nose with certainty.
Their field and and I can't speak for law you know I -- expired on attorney -- -- -- exactly yeah and Kevin Garnett -- that can't let you know.
We you have we we -- -- those are discussions and.
Because they're important they are needed so.
And it'll sending us Social Security that you wanna tell us about it here -- making more than 44000.
Dollars a year you should listen up and that's most couples out there yeah.
Actually you know if -- a couple.
And you're retired in your drawing social security and your full retirement age.
Every dollar every so -- dollar above 44000 dollars.
-- -- -- just -- -- we taxes 85% while you're working aiming where if you -- no incumbent at 44000 while in retirement.
An apple retirement age I still have retired couple bringing in 44 K -- -- -- -- and every dollar above that -- tax it.
85 presence of security dollar about.
Dynamic -- them before.
And my nine RE.
I'm no actually a lot of seniors that we sit down with.
Are just finding -- out for the first time and a very frustrating.
You know he's going your 1040 tax return that look on -- -- -- K now we'll show you what you're bringing in first -- security.
Like twenty is gonna show you what you're being taxed on.
And quickly adding he had one other -- he wanted to Sharon.
Not really it's just a matter of finding a team yet making sure that you protect what you have earned.
-- Scott thank you so much for coming -- we're gonna that your website my -- up on the screen so everybody can see.
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