Protect & Grow

Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Protect and Grow", Tim Stearns, CFP® identifies the three largest expenses in retirement that can drain your wallet, fry your nest egg, and derail your financial goals. Tim shares insights on how to minimize these expenses and take control of your retirement finances. To connect with Tim and learn more about his financial planning services, you can contact him directly at (800) 640-2256 or visit his website at https://www.tjstearns.com/. With Tim Stearns, CFP® guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

Of the six stealth taxes, all but one has been in existence for several years. Two of the stealth taxes are difficult to avoid due to their low-income threshold. While most of these stealth taxes may not kick in until retirement, planning for each stealth tax should begin several years before a federal employee retires and continues throughout his or her retirement. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

What are annuities? What do they do? What can they not do? Why do they seem to have a negative reputation? How do they function? What role they play in a comprehensive retirement planning? On this program, we will examine annuities. There are pro’s, con’s, benefits, disadvantages, and specific features to understand. For more information contact Tim Stearns from TjStearns at (800) 640-2256 and visit https://www.tjstearns.com/.

Taxes are the biggest expense between making money and keeping it, so

taxes should be managed proactively too. On this episode, we will discuss Roth strategies as a means of controlling the expense of taxation on your wealth and discuss some specifics on the opportunity to take advantage and maximize your Roth balance. For Information contact Tim Stearns, CFP® with TjStearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

There are time-tested principles for long-term investing success. While your final outcome can never be 100% certain and guaranteed, investment in the market has worked to build and grow wealth, and these core principles help to increase the likelihood of an optimal outcome. While the market is in good shape, it is time to consider your exposure and approach to risk in your investment portfolio, and make sure that you have a sound fundamental approach. We will discuss important elements and strategies to keep in place over your investment timeline. For more information contact Tim Stearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

Do you remember doing safety drills? Has your family ever discussed their “emergency plan”? In your financial life, you should have an emergency plan as well. You should set yourself up for basic issues and have a few good emergency steps in place, such as having accessible cash, just in case of emergencies, don't stop contributing to your accounts, and of course, don't panic. An emotional decision might end up being the worst decision. For more information contact Tim Stearns, CFP® at (800) 868-1194 and visit the website at https://www.tjstearns.com/.

What is the ultimate goal with your money? We have talked a lot recently about financial goals, and the goals of the retirement income plan, Social Security goals, 401(k)s, and retirement savings goals...but, ultimately, your goals with money probably center around your values, your family, your time, and your enjoyment of life. Money is important. It is important because it is the tool that does the job of supporting these most important goals. On this new edition of Protect And Grow, we will examine what true financial freedom really means and what you should be doing with your money in order to achieve it. If you have any questions contact Tim Stearns, CFP® at (800) 640-2256 and visit https://www.tjstearns.com/.

Tim Stearns, CFP® discusses the basics of a good retirement plan and what TjStearns offers when assisting you in retirement. We hope you enjoy this week's edition of Protect & Grow, and if you have any questions just contact TjStearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.

In this video, Tim Stearns, CFP® covers recent updates from the Social Security Administration Board of Trustees detailing problems with the underfunded Trust Fund, everything you need to know about making up for Social Security's shortfall with your retirement tools and 401K. It's important to understand how to maximize your benefits, maximize your nest egg, and minimize your taxes. Tim also discusses common mistakes to avoid while providing practical tips for managing your retirement portfolio. For more information from Tim Stearns CFP® and Tj Stearns, visit www.TjStearns.com or give them a call at (800) 640-2256 to schedule a consultation today. Don't leave your retirement to chance – trust the specialist at Tj Stearns to help you plan for a secure and comfortable future.