Starting a new job is exciting, but what happens to the retirement savings you've already built up? Leaving your 401(k) behind with your previous employer may mean missed opportunities for growth, flexibility, and security. Now is the perfect time to take control of your retirement funds by rolling over your 401(k) to an IRA, and here’s why it's a smart move.
More Investment Choices: Unlike traditional 401(k)s, IRAs offer a wider range of investment options, allowing you to better customize your retirement portfolio.
Potential for Tax-Deferred Growth: Keep your savings growing tax-free until retirement, and explore options that better suit your risk tolerance and long-term goals.
Increased Control & Flexibility: With an IRA, you’re in charge, enabling you to make investment decisions that align with your personal financial plan.
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I offer both virtual and in-person meetings. With 30yrs experience, I specialize in Retirement Income Planning and Decumulating your retirement assets to replace the paycheck you'll never receive again. Was your paycheck ever at risk? Will it be?
I have 30 years experience, 24 as a CERTIFIED FINANCIAL PLANNER. I've been a fiduciary in bank trust departments, money manager, estate planner, risk management specialist, and wealth management bank lending. I focus as an independent advisor, on retirement income planning and decumulating retirement assets. Most people are walking, unknowingly, into retirement not realizing that the approach they took to get TO retirement is entirely different than what you need to do to get THROUGH retirement without running out of income. I help people see the tools used to climb up the mountain to retirement (accumulation), exposes you to catastropic loss while you go through retirement (decumulate). Interesting that most professional mountain climbers say it's the descent where most accidents happen with severe injury or death. The mindset and tools required for descent are far different for those used in climbing or accumulating. I'm one of a few advisors dedicated to helping people see this.
Triangle Financial Strategies LLC
114 Torrey Heights Lane Durham, NC 27703(919) 228-9665 [email protected]
Principal Protection: The key feature of a Fixed Index Annuity is that it protects your initial investment (principal) from market downturns, meaning you cannot lose your original money invested, even if the stock market falls.
Market-Linked Growth: While protecting your principal, FIAs still allow you to participate in a portion of the stock market's positive gains by linking their returns to a market index like the S&P 500, offering potential for growth.
Guaranteed Lifetime Income Options: Choose annuity options that can provide guaranteed income throughout your retirement, ensuring you never outlive your savings.
Predictable Returns: Although not guaranteed, FIAs provide a degree of predictability in returns as they are tied to the performance of a specific market index, offering some stability compared to directly investing in stocks.
Tax-Deferred Growth Potential: Like other retirement investments, FIAs grow tax-deferred, helping you keep more of your hard-earned money.
An estimated 1 in 5 U.S. workers have left behind or forgotten 401(k) retirement accounts, according to estimates by Capitalize, a financial services company. Source: CNBC
IRAs Offer More Investment Options Compared to 401(k) Plans – An IRA is typically held by a brokerage or investment firm. In general, it offers more investment options than a 401(k), but contribution limits maybe much lower. Source: Investopedia
Nearly 7 in 10 retirees who own an annuity are more confident their savings and investments will not run out if they live to age 90, compared with 57% of retirees who don’t own an annuity, the 2016 LIMRA survey found. Source: Kiplinger
Because your values and goals are personal to you, a one-size-fits-all solution simply won't do.
Consulting with an experienced professional can help you explore options to find the right balance of benefits tailored to your needs.
As your life evolves, so do your needs. I’ll be there to help you every step of the way.
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