Finally…Retirement Planning Advice for the Rest of Us Need Expert Advice for your 401k? The 401k Doctor may have the presciption for $99.

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"The reality for the "Rest of Us" who contributes to a group retirement plan is that unless they have other money to invest, very few-if any financial advisors want to help them". "Although most group retirement plans offer web based advice or (rarely) a quick consultation when you first enroll, most 401k and 403b investors feel confused, ill informed, uneducated and well…kind of paralyzed when it comes to their retirement plan."

-that no one else seems to think needs help, which is ironic because it is this group of retirement plan investors that need help the most!

Throughout his 21 years as a financial advisor and planner for some of the nation's leading banks, brokerage firms and most recently a major retirement plan provider here in Atlanta, Joseph Latour has heard the following too many times: "Hey, can you help me with my 401k?"

Why are so many asking for help? "Because there isn't any" states Mr. Latour who recently started "The 401k Doctor" and "The Annuity Doctor" which provide customized, comprehensive reviews and advice for individuals contributing to a 401k, 403b annuity or other group retirement plan for a small fee.

The reality for the "Rest of Us" who contributes to a group retirement plan is that unless they have other money to invest, very few-if any financial advisors want to help them. "Although most group retirement plans offer web based advice or (rarely) a quick consultation when you first enroll, most 401k and 403b investors feel confused, ill informed, uneducated and well…kind of paralyzed when it comes to their retirement plan." He adds, "It's kind of sad …really. We have all heard the statistics. Retirement plan investors need guidance and what they are getting is just not working." There was even a terrific show that aired on public television about 2 years ago produced by FRONTLINE entitled, "Can You Afford to Retire" which can be accessed on the web at http://www.pbs.org/wgbh/pages/frontline/retirement/ and which Mr. Latour encourages everyone to view prior to a consultation.

Through a 60-90 minute consultation for a small fee starting at $99 "The 401k Doctor" or "The Annuity Doctor" will complete a comprehensive review of your retirement plan's options, features and benefits including available investment options measured using components of modern portfolio theory(an explanation can be found at http://www.wikipedia.org/wiki/Modern_portfolio_theory ) as well as a joint call with your plan provider to explore the applicable benefits, penalties and options involved in changing your plan back into a type of personal pension that can guarantee retirees a life time income for them and their spouse. Because the service is based on a fee, clients can expect unbiased advice and guidance without a sales pitch.

"Switching your 401k, 403b or other group retirement plan back into a pension type product that produces life time income for both spouses without losing control of your money is definitely the one issue that I get the most questions about" states Mr. Latour. "Too many retirees are finding out too late, that because of poor planning or stock market down-turns coming at the wrong time, they cannot afford to retire, but many could have been able to do so if they had invested in a pension like product instead". "The other really hot issue is to utilize stop loss protection on rollover IRA accounts. It still amazes me that most investors are not aware that they can limit the amount of money they can lose in individual securities using this very simple technique or that they may have the option to move money out of their 401k while still contributing using what's called an in service rollover".

"Throughout my career I have met with literally thousands of clients who had money to invest and probably had to turn away hundreds more who didn't but only needed help with their 401k or 403b. I designed the service of The 401k Doctor and The Annuity Doctor for just those folks-"the rest of us"-that no one else seems to think needs help, which is ironic because it is this group of retirement plan investors that need help the most!"

To learn more about the service or to schedule a consultation, contact Joseph Latour at 770-781-3940 or visit http://www.myannuitydr.com or http://www.my401kdr.com Joseph Latour is a Registered Representative and Investment Advisor Representative of and offers securities and advisory services through Symetra Investment Services, Inc. 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. 800-469-7667. Member FINRA/SIPC, Broker/Dealer and an SEC Registered Investment Advisor. The 401k Doctor or The Annuity Doctor is not a subsidiary or an affiliate of Symetra Investment Services, Inc.

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