Dennis Prager encourages people to listen to The Active Wealth Show on AM920TheAnswer and to sign up for a FREE FINANCIAL CONSULTATION. Ford Stokes, Host of The Active Wealth Show and his Financial Planning Team will provide every show listener a FREE PORTFOLIO ANALYSIS and a FREE FINANCIAL PLAN TO THEIR 95th BIRTHDAY!

Ford and our Active Wealth Show team love working with Dennis Prager. He’s a great American and one of the best radio show hosts in the Country! Thanks Dennis for supporting the Active Wealth Show and our new website: ActiveWealthQuiz.com

We appreciate Dennis Prager’s support of The Active Wealth Show and our Active Wealth Quiz. Our Active Wealth Quiz will help you determine how you are doing towards reach your financial goals for retirement, college planning, getting out of debt, buying a house or car or whatever your quest to get your money working as hard as you do.

Maximize your social security income, reducing the taxes you pay during retirement and generating the right amount of retirement income can make a big difference in planning for your successful retirement.

I enjoyed interviewing Richard Chastain, great American, former Nuclear Submarine Sonar Technician, Shomer with Dresslers Jewish Funeral Home and Active Wealth Client. We also share details re: how to Maximize Social Security Income, reduce taxes during retirement and generate important retirement income. #ActiveWealth #Retirement #SocialSecurity #ROTHCONVERSION

July 20th

The Active Wealth Show

Welcome to the Active Wealth Show

Today we are going to talk about Maximizing Social Security Income, Reducing Taxes During Retirement and Generating Income During Retirement.

But first as part of our new RELAUNCH Interview series, we are excited to talk with Richard Chastain, a great American who has served our country and currently serves our community as a volunteer policeman in Sandy Springs and a Shomer with Dresslers Jewish Funeral Care.

In our RELAUNCH interview series, we interview pre-retirees and retirees to understand what great folks are doing during their retirement years to serve others.

Segment 1: Interview with Richard Chastain, Shomer with Dressler’s Funeral Home and Active Wealth Client.

Segment 2: How to Maximize Social Security

Segment 3: How to reduce or even eliminate your Federal

Income Tax During Your Retirement

Segment 4: How to Generate Important Income During

Retirement while also saving on advisory Fees

July 20th – This Day in History Trivia:

1983 British Open

Golf, Royal Birkdale GC: Defending champion Tom Watson wins his 5th Open Championship, 1

stroke clear of Andy Bean and Hale Irwin; Watson’s 2nd consecutive Open win and

3rd in last 4

1954 Construction of Disneyland commences

1955 1st LPGA

Championship, Orchard Ridge CC: Beverly Hanson wins by 3 shots from Louise Suggs

1955 Arco, Idaho, becomes 1st US city lit by nuclear power1955 Disneyland televises its grand opening in Anaheim, California.

1959 “North by

Northwest” directed by Alfred Hitchcock and

starring Cary Grant and Eva Marie

Saint premieres in Los Angeles

1979 Sebastian Coe runs world record 3:49 mile in Oslo

1980 Ronald Reagan formally accepts Republican nomination for US president

To receive a customized and complimentary retirement consultation feel free to call our office at 770-685-1777 or you can book your appointment directly into my calendar via THIS LINK. You and your spouse will get a free portfolio analysis and a free financial plan to your 95th birthday. We provide these financial reports on the front-end of our relationship with you to help you make an informed financial decision to create a successful retirement.

July 13th Active Wealth Radio Show

Welcome to the Active Wealth Show Activators! Here’s a

reminder, Activators are listeners to The Active Wealth Show who want to invest

and retire successfully. They are looking for a tax-efficient, fee-efficient

and market-efficient portfolio.

I’m here with Christian our Executive Producer, hey

Christian, how are you doing on this Saturday afternoon?

OK, we’re going to talk about some important information in

making your portfolio more efficient on today’s show.

Segment 1 – Retail vs. Wholesale

Segment 2 – Three Primary Ways that Pre-Retirees and

Retirees Invest their hard-earned money

Segment 3 – Developing a Smart and Balanced Investment Plan

that has both Smart Risk and Smart Safe Strategies

Segment 4 – The Results of a Smart Plan

Also, I want to share that my goal with this show is to

talk directly with you our loyal listeners. Christian will chime in too, we

just want to share more usable information than any other financial show out

there.

FIRST TRIVIA:

1923 The

Hollywood Sign is officially dedicated in the hills above Hollywood, Los

Angeles. It originally reads “Hollywoodland” but the four last

letters are dropped after renovation in 1949

SEGMENT 1:

RETAIL BASED INVESTING

Captive with a set menuWork for the company not the clientCompany’s best interest in mindGoal is to move up the commission gridNot held to fiduciary standardDoes not have client’s best interest in mind

WHOLESALE BASED INVESTING

Must add value to justify feesIndependent with no set menuHigh quality asset custodians Work for the client not the companyHeld to fiduciary standardClient’s best interest in mind

2nd trivia:

1930 1st-ever

football World Cup competition begins in UruguayCONGRATULATIONS TO THE US WOMEN’S BACK-TO-BACK WORLD CUP WINNERS

SEGMENT 2

THREE PRIMARY WAYS PEOPLE INVEST

NOT IN THE MARKET:

Growth with Safety Market upsideLimited to no downsidePrincipal & gains protectionLow Cost 0% – 1% annual feeTime horizon: 7-10 yearsCan earn 5-7% per yearOptions for guaranteed income

IN THE MARKET PASSIVE:

Passive Investing100% Market gains100% Market lossesLow cost 1% annual feeTime horizon: 10-30 years2008: -38% 2009: +26%Invest $1,000,000 in 2008 then you would have

lost $237,500 in market losses, sequence of returns and fees. That significant

23.75% loss would have likely required you to make a significant lifestyle

change as a retiree.

IN THE MARKET TACTICAL

Tactical Investing70% Market gains 40% Market lossesHigher cost 1.5% annual feeTime horizon: 6-8 years2008: -38% X .40 = -16.0%2009: +26% X .70 = +18.2% If you invested $1,000,000 in 2008 with Tactical

Asset Allocation then you would have only lost $37,225.00 That loss would not

have required you to make a lifestyle change

SEGMENT 3

SMART PLAN with a SMART and BALANCED investment plan that

has SMART RISK and SMART SAFE built into the plan

SMART RISK

2007  2008                        2009

Stocks                  34%                   3%                     36%

Bonds                                       20%                 78%           &n

Listen to EPISODE 4 of The Active Wealth Show to Learn 12 Ways to Optimize Your Portfolio! #ACTIVEWEALTH #Portfolio #Retirement

July 6th

Show:

Welcome to The Active Wealth Show. Welcome to all of our

Activators listening here in Atlanta or on our podcast on ActiveWealthShow.com

or itunes or Google Play. Again, Activators are pre-retirees, retirees and

business owners who want to invest more successfully, invest more efficiently

and invest tax efficiently.

And a big after 4th of July welcome to Christian,

our Executive Producer. Hey Christian, how was your fourth of July?

Great, we had a blast checking out the Fireworks in Cumming,

GA. It was awesome.

Today we are going to do our very best to get through my 12

Ways to Optimize Your Portfolio. Also, if you want my FREE REPORT: 12 Ways to

Optimize your portfolio, then feel free to call Diana in our office and she

will email our 12 Ways to Optimize your portfolio” to your right away. You can

send her an email at [email protected]

or call 770-685-1777, that’s 770-685-1777.

Ok let’s get right into these 12 ways to Optimize Your

Portfolio.

American Trivia:

On July 4th, 1776 US Congress proclaims the Declaration of Independence and independence from Britain 1970 Casey Kasem‘s “American Top 40” debuts on LA radio 1831 “America (My Country ‘Tis of Thee)” is 1st sung in Boston

Music Trivia:

1957 John Lennon (16) & Paul McCartney (15) meet for 1st time as Lennon’s rock group Quarrymen perform at a church dinner on July 6th, 1957Sports Trivia2002 Wimbledon Women’s Tennis: Serena Williams beats older sister Venus 7-6, 6-3 for her first Wimbledon singles title on July 6th 2002.

12 Ways to

Optimize your Portfolio:

Mutual Funds carry fees that will raise the expense ratio in your portfolio.

Eliminate as many Mutual Funds from your portfolio as possibleMutual funds carry fees with them that you must pay, some up front and some fees that are charged in the form of 12B-1 fees (Marketing Fees) that are unnecessary. IMAGE [PIGGY BANK with $100 Bills Sticking out of it] There is a financial product that can deliver diversification at a much lower fee level. Also, an investor must wait to buy or sell a mutual fund at the end of the trading day at the Net Asset Value of the share of the Mutual Fund. Operating expenses can vary with different mutual funds. It’s not a good idea to invest in a financial product unless you clearly understand all of the fees you will pay in the future to own that product. Reducing the fees you pay for your investments is a sound way to generate a higher annual rate of return. See our #2 recommendation to optimize your portfolio. Invest in ETFs

The Exchange Transfer Fund or ETF is a superior investment product to the Mutual Fund because it is more fee-efficient than Mutual Funds while also delivering investment diversification in a single product. An exchange-traded fund is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds and generally operates with an arbitrage mechanism designed to keep it trading close to its net asset value, although deviations can occasionally occur. ETFs can be traded during the trading day, they carry very low operating expenses, have no investment minimums unlike most mutual funds that require an investment minimum, they are tax-efficient and do not have sales loads. Reduce the Expense Ratio within your Portfolio

Most people who come to see me in our office don’t know what an expense ratio is nor do they know how much they are paying in portfolio fees that do not show up on their monthly or quarterly statement. The expense ratio of a stock or asset fund is the total percentage of fund assets used for administrative, management, advertising (12b-1), and all other expenses. An expense rat

Episode 3 details important strategies to solve your retirement gap

Ford shares Eight important ways to solve your retirement income gap on this video episode of The Active Wealth Show. #Retirement #IncomeGap #Investing #RetirementIncome #RetirementIncome Gap

RETIREMENT INCOME GAP REPORT

Authored by: Ford Stokes, MBA and Your Chief Financial

Advisor

The retirement income

gap is simply the difference between your budget and your guaranteed income

sources. For example, if you have a budget that requires $5,000 per month

of income in today’s dollars, and you have guaranteed income from social

security and pensions of $3,000 per month then your gap is $2,000 per month.

How to Determine and

Plan to Close Your Retirement Income Gap:

Determine SSA Income

Available to You During Retirement at Various AgesEstimate Your Monthly

Expenses

(Two Months & Divide by Two)Research and Estimate

Inflation as Measured By CPI-E. Consumer Pricing Index for the Elderly. Reduce Future Tax Risk

with ROTH IRA Conversion or Life Ins.Plan for Loss of 33+%

in SSA Income with Death of SpouseFollow the 4% Rule: Stay Invested (SMART

RISK) to Outpace Inflation. 4% states that you should not withdraw greater than

4% of your portfolio’s principal each year, if you can follow the 4% rule, you

will likely not run out of money during retirement. Example: If you have a $1MM

portfolio, then you can withdraw $40,000 each year and stay within the 4% Rule

guideline. Please keep in mind that your Social Security income would be

incremental to the $40,000 so if you had a $30,000 SSA Income benefit, then you

would be able to live on $70,000 (less taxes) during retirement and still

adhere to the 4% rule. Consider the Rule of

100 & Potential Bond Replacement Strategy. The Rule of 100

states that if you subtract your age from 100, then you will get the percentage

of stocks you should in your portfolio or the risk percentage you should be

taking during your retirement. Therefore, if you are 60 years old, you should

only have 40% of your entire portfolio in Stocks or Equities. Many advisors

have moved to the Rule of 120 to give retirees enough return to generate important

grow to fund regular withdrawals necessary for retirement.Generate a Personal

Pension

(We Will Show You How) Investing in Fixed Indexed Annuities as a more

fee-efficient bond replacement is a great strategy to generate a retirement

income you cannot outlive, enjoy tax-deferred growth and Recalibrate Your Financial Plan Each Year

Source:

https://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2013/03/19/do-you-have-a-retirement-gap

Retirement Income Gap Solutions

Have you discovered a

gap between the income you’d like to have in retirement and the income you

think you’ll get based on your investments and current savings rate? It happens

to lots of people.

They have a number in

mind about how much they need to save before they can retire. Sometimes they

can get there and sometimes they can’t.

As concerning as it

might be to discover a retirement income gap, knowing it’s there is the first

step in closing it — usually by increasing your income and assets, reducing

retirement spending, or both.

Here are eight ways to

help close a gap and generate more wealth and more income during retirement.

1. Save more while

you’re still working. If you haven’t retired yet, then saving more now can mean

more assets to draw on later in life. Larson says 15% of income is a commonly

used target for the rate of retirement savings, though the exact rate will vary

based on individual circumstances. “Having a higher savings rate earlier makes

sense,” he says.

2. Plan to spend less. Another way to

help close a gap is to scale back your retirement spending plans. Do you really

need the beach house and the RV? Ford Stokes advises dividing retirement

expenses into two categories: fixed and necessary on one hand and discretionary

expenses on the other. “You want

Audio of the edited show is great, but Video is even better! Learn how to minimize RMDs & retirement taxes. Ford also shares how to maximize Social Security Income on this Active Wealth Show.

Ford shares his first Financial Headwind in his FIVE FINANCIAL HEADWIND SERIES. He also shares important information about Required Minimum Distributions and how to reduce taxes on your Social Security Income during your retirement. If you want to see how your retirement looks, we invite you to take our CONFIDENTIAL AND FREE FINANCIAL HEALTH QUIZ at ActiveWealthQuiz.com #ActiveWealth #RMDs #SSIncome #ReduceYourRetirementTaxes

We invite you to schedule your FREE FINANCIAL CONSULTATION directly into FORD’S CALENDAR or call our office at 770-685-1777. You will get a FREE PORTFOLIO ANALYSIS and a COMPLIMENTARY FINANCIAL PLAN TO YOUR 95th BIRTHDAY!

We encourage all of our listeners and clients to consult a tax professional when implementing any type of ROTH IRA conversion. Ford Stokes is not a CPA or tax professional. He is a Series 65 licensed investment adviser representative with Foundations Investment Advisers. Ford is also a fiduciary who wants to help you invest, financially plan and retire successfully.

June 15th

Show Outline

Welcome to The Active Wealth Show, here on 920The Answer! I’m

here with Christian Dooley, our Executive Producer.

We have an important show for your retirement today.

We are going to talk about Four things over the next hour:

The first

Financial Headwind in our series, THE FIVE FINANCIAL HEADWINDS and how to

overcome them for your retirement. You can also get our FREE REPORT: THE FIVE

FINANCIAL HEADWINDS just by calling our office at 770-685-1777. Diana in our

office and ready to take your call, she will email your free report to you

right away today. We will cover each of our Five Financial Headwinds over the

next FIVE WEEKS starting with this week. The Three

Types of Investment Accounts – Taxable, Tax-Deferred and Tax Advantaged. What are Required

Minimum Distributions or RMDs and how will they affect your retirement. Social

Security – how to maximize the money in your account vs. the money that is

on your statement.

Trivia Questions:

Segment 1:

1965 Bob Dylan records single “Like a Rolling Stone” (#1 in

Rolling Stone magazine’s “500 Greatest Songs of All Time”) June 15,

1965

Low CD Rates, three types of Accounts – Taxable, Tax-Deferred

and Tax-Advantaged

SEGMENT 2: In Movie Trivia:

1878 World’s first moving pictures caught on camera (used 12

cameras, each taking 1 picture) done to see if all 4 of a horse’s hooves leave

the ground

RMDs

Segment 3: This weekend is the US

Open and it’s Also Father’s Day

1980 US Open Men’s Golf, Baltusrol GC: Jack Nicklaus sets new tournament scoring record 272 (-8) to win his 4th

Open title, 2 strokes ahead of Isao Aoki of Japan

RMDs and intro of Social

Security

Segment 4

June 15th

Famous Birthdays:

Courtney Cox – She is 54

Years Old

Helen Hunt is 55 years

old

Ice Cube is 49 Years Old

Xi Jiping is 65 years old

today – I hope our President will negotiate the best rade deal for the US with

China. I pray for guidance for our President. A trade deal with China will

definitely help the supply chain for companies here in the US and will give a

great lift to the markets to resolve the current uncertainty. I support our

President and wish him well!

Social SecurityClose

Ford Stokes, Your Chief Financial Advisor with Active Wealth and Host of the Active Wealth Show shares the #1 obstacle to your retirement and the #1 solution to climb over that obstacle to a successful retirement. Here’s a hint: the Obstacle is TAXES and the Solution is a ROTH LADDER CONVERSION. #ROTHLADDER #ROTH CONVERSION #TAXES #RETIREMENT #INVESTING

If a majority of your assets are in an IRA or 401K or a 403b or a 457 or a SEP IRA or a Simple IRA, then a ROTH LADDER CONVERSION will reduce the taxes you will pay during retirement. #ROTHLADDERCONVERSION #RETIREMENTTAXSAVINGS #IRA #401K #ROTHIRA

Ford Stokes, Host of The Active Wealth Show and your Chief Financial Advisor talks about the top thing standing in the way of your retirement and THE SOLUTION for a successful retirement. (Hint: It will be TAXES and you should get a ROTH LADDER CONVERSION PLAN from Active Wealth Wealth Management, Inc. Send Ford an email at [email protected] to get started.

June 8th

Active Wealth Show Outline

Introduction and

Segment 1

Welcome to The Active Wealth Show. This is our very first

show on WGKA. We will be with you every Saturday afternoon from 2:00 – 3:00 PM

to share important investing and retirement planning strategies so you can

retire successfully.

Our Producer, Christian Dooley is here with me today and

will be with us on every show. Hey Christian, I’m glad you are here on The

Active Wealth show, How are you today and what are your thoughts about the

future of our show?

I completely agree with you Christian. My goal is to have a

one-on-one conversation with every pre-retiree and retiree listening to our

show each week. I will share important strategies to help you protect and grow

your wealth.

Christian is going to play some great music for us and we

will share some cool music, movie and sports trivia on every show just to keep

things interesting.

Also, I want to announce our first Educational Series. Over

the Next Five Weeks, I will share One of Five Financial Headwinds that

pre-retirees and retirees will face over the next 30+ years during their

retirement. So NEXT WEEK I will share Financial Headwind #1 at the start of

Next Week’s Show. You don’t want to miss learning about this potential obstacle

that could negatively impact your retirement. I will also share a strategy to

combat this financial headwind during next week’s show.  

So here’s a quick

Outline for today’s show:

We will talk about your Vision for Your

Retirement in this First SegmentSegment

Two – We will share important details on the #1 Obstacle every Pre-Retiree

and Retiree will face during retirement and what you can do about it. Segment

Three – The ONE STRATEGY to be more Efficient during your retirementSegment

Four – I will share

So First, I want to start our Active Wealth Show right here

on WGKA right with a positive planning session for your retirement. You Ready

Christian?

(Yes Ford, lay it on us, I love positive planning stuff. I

bet this is going to be important for laying the groundwork for folks’

retirement.  You have had a lot of

strategic planning experience, so I’m intrigued to hear you are going to lead

folks down a path to a more successful retirement.”)

Thanks Christian, now I am going to talk directly to you

listening to our show right now.

I want to start talking about your individual retirement.

Retirement goes way beyond how big of portfolio value you have grown. I’m about

to over-step my bounds as a financial advisor and ask some direct and

potentially personal questions about the future of your retirement just to help

you create the most successful retirement possible for you, your spouse and

even your family.

So I want you to think about your retirement as you are

driving around in Atlanta or North Georgia or anywhere you live if you are

listening to our podcast on ActiveWealthShow.com or iTunes or Google Play,

etc…

Who Are You With?

What Are You Doing?