Ready, Set, Retire!

Football is finally back!  And there’s an old saying, “Offense wins games, but defense wins championships.” Best-selling financial author Patrick Kelly says the same can be true for your retirement strategy. But how do we keep from “giving up points” when it comes to our nest egg?

Steve talks about his strategy for creating buckets of money and how he can help protect and grow your nest egg. Every plan that Steve puts together is customized, NOTHING is cookie-cutter. 

Give Steve a call today with any questions, concerns, doubts or even fears when it comes to your retirement. Remember, a Complimentary  Consultation is FREE!  

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The #1 fear in retirement, is running out of money – how can we avoid this? One of the tricks to planning a successful retirement is to figure out how much money you can safely withdraw from your nest egg, without running out. One of the simpler ideas is to plan on taking out the equivalent of what your RMD’s (required minimum distributions) would be. Does this work or is there a better way? Do you know the foundation of your retirement plan?  Steve, Cape Cod’s Retirement income Specialist, identifies creative strategies to help you not run out of money and explains how you can maximize your income in retirement while checking off those bucket list items!  

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Have you heard of the "A" word when it comes to financial planning? ANNUITY! What is it? Can it help you? Can it hurt you? How do you know if an annuity is for you?   

As Cape Cod's Retirement Income Specialist, Steve uses his more than 3 decades of experience to create a solid income plan for you where you DON'T run out of money, no matter what happens on Wall Street. 

Find out if an Annuity is right for you! Give Steve a call today with any questions, concerns, doubts or even fears when it comes to your retirement. Remember, a Complimentary  Consultation is FREE!  

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Yes, all money is green but did you know you have to assign it a purpose/color? 

Steve explains the different colors of money that you need, what they mean and why you need it. Find out what part of your money is red, green, and blue.  

If you understand your money and how it works, you retire with confidence. First, you need a PLAN. If you don't have a plan, its a plan to fail. 

Contact Steve today for a virtual appointment! 

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If you have left a job, been laid off or furloughed, what do you do with your 401K? Steve discusses the best options available and the pros and cons of each. 

If you have questions about your 401K or planning for a successful financial future - contact Steve today! 

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Sometimes, we talk about the “myths” of retirement.  And Forbes says one of the most common ones is that we’ll be in a lower tax bracket, when we quit working.  That certainly seems to make sense – why would it not be true?

• It makes sense why people believe this.  They don’t see themselves paying more in taxes because they’re no longer earning money; rather, they’re now living off what they’ve accumulated over a lifetime.  And with their income being lower than it was during their working years, the amount they’ll owe to the IRS will be less, right?

• For a short time after they finish working, many successful retirees typically are in a lower tax bracket. But that window can shut quickly.  Once required minimum distributions (RMDs) kick in, in combination with other forms of income (investments, social security, pensions, etc.), successful retirees will quickly move into an equivalent tax bracket as they were in during their working years.  They may also be pushed into Medicare surcharges and other ancillary tax.

• By their mid- to late-70s, it’s not uncommon to see these successful retirees be in even higher brackets than they were during their working years—a far cry from what they envisioned.

Interested in a Tax Free Retirement? Then contact Steve today for a complimentary Portfolio Tax Analysis to make sure YOU'RE on track with your retirement income planning! 

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They're calling 2020, "the year of cancelled." Graduations, weddings, vacations and even professional sports! Even with all of that, you're retirement is NOT cancelled! 

Did you know that roughly 68 million Americans are changing their retirement plans because of COVID-19?

According to a new Edward Jones and Age Wave study , 29% of Americans say they'll retire later than initially planned, citing a need for more income as a main driver. 

On the other hand, 10% of people now say they'll retire earlier. The question is: Should you change your retirement plans in light of the pandemic?

Steve explains how he can help you retire early because you want to, because you were forced to or just because it's THAT TIME! 

Interested in income for life? Then contact Steve today for a complimentary Portfolio Analysis to make sure YOU'RE on track with your retirement income planning! 

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Over the course of our lives, we ask and answer many of the same questions: Are we there yet?  It’s how much?  Where do you want to eat?  And finally, when can I retire?  Steve discusses some other frequently asked questions you get about retirement! 

Get YOUR questions answered today and contact Steve today for a complimentary consultation! 

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It's been a crazy year hasn't it? Steve has been busier then ever helping many clients and listeners during this crisis making sure they are well positioned and protected. These days, with so much uncertainty, it's understandable that many of us are dealing with anxiety on many levels. Anxiety about our job, our money, Covid-19, the election - you name it! 

One of the most common questions Steve is asked is, "What is the stock market going to do next?" Unfortunately, no one has a crystal ball. So, whats Steve's response top questions like -  "Is the stock market is poised for a 40% drop?" One economist says the current climate feels a lot like 1929.  Steve explains his strategy of "buckets of money" to reach the ultimate goal of creating income for life, and protecting yourself from when/if the market goes down.

For 30+ years, Steve has helped people JUST LIKE YOU work through those financial anxieties, put a solid income plan together, and enter retirement on your terms with confidence. Call him today and schedule a complimentary Portfolio Review!

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On today's episode, Cape Cod's Retirement Income Specialist (Steve Anzuoni) gives you a timeline of event since January 2020 of MAJOR changes to retirement planning, and explains how it could impact you! 

In December, we told you about “The Secure Act." It changed the RMD age from 70 ½ to 72 and eliminated the stretch IRA.

In May, we told you about “The Cares Act. ”Which waved RMDs for this year and allowed you to take money from your 401(k) before 59 ½ with no penalty.

What about the proposed Trump plan to allow you to tap into your Social Security early for emergency money?

This week I introduce you to the proposed “Savers Act” that would allow you to triple the amount you contribute to you IRA or 401(k) for 2020.

AND “Cares ACT 2” that would move the RMD age up again…this time to 75! 

This has all happened in 6 MONTHS! How is anyone supposed to keep up with all this? Steve, Cape Cod's Retirement Income Specialist weighs in on these topics and more! 

Contact Steve today for a complimentary Portfolio Analysis to make sure YOU'RE on track with your retirement income planning!  

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