Financial Advisor Jeremy Keating Offers Complimentary Guide for Retirement Planning

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Although Baby Boomers are heading into retirement at a rate of 10,000 per day, many are doing so without an adequate income plan in place. Retirement specialist Jeremy Keating of Capital Income Advisors is now offering a complimentary guide on planning for income retirement to help baby boomers create an income strategy to last them throughout their retirement.

retirement planning, annuities, financial advisor, retirement income, retirement nest egg, retirement income

Capital Income Advisors

The first step for pre-retirees is to educate themselves on how retirement works today,

As America’s baby boomer generation streams into retirement, many are doing so without a solid retirement plan in place. Retirement nest eggs no longer come in the form of an employer-sponsored pension, as they did for previous generations, and when it comes to planning for an adequate retirement income, many aging Americans don’t know where to begin. For this reason, Jeremy Keating of Capital Income Advisors in San Diego is now offering a complimentary guide called, “10 Things to Know About Planning Your Retirement Income,” available to anyone interested in learning about planning their retirement.

The no-cost, downloadable PDF booklet offers expert insight on retirement planning strategies that include facts and statistics on issues impacting retirement, such as longevity, health care costs, the potential need for long term care, dealing with inflation and planning for goals that are important to each retiree. The guide also offers useful information on collecting Social Security benefits, taxes in retirement, and customizing distribution strategies to fit the individual retiree’s needs.

Today, saving for retirement is the responsibility of individuals, and instead of the defined benefit plans of yesteryear, more people depend on an employer-sponsored, defined-contribution plan such as a 401(k), 403(b) or 457 plan to fund their nest egg.

While these plans offer an excellent opportunity for individuals to save for retirement, the U.S. is only now experiencing the first wave of “401(k) retirees” who will live off of this type of savings, so it has yet to be seen if they meet the retirement savings needs for today’s seniors, who are anticipated to live longer than any previous generation.

According to Keating, there are many variables involved in creating an income strategy that can maintain a livable income stream for today’s retirees.

“I work with clients everyday who are concerned about outliving their savings once they retire, and what I tell them is that we can develop an income strategy based on their current financial situation, and taking into account their retirement goals, that will keep their income stream flowing for 20 to 30 years or more,” Keating says. “That is why I am offering this complimentary retirement guide to anyone who is motivated enough to log onto my website and download it, because the more people who educate themselves in advance, the more people we will see retiring comfortably.”

Like never before, insurance products and strategies also play an important role in planning for retirement. Most retirees want a retirement strategy that shifts away from an accumulation approach, and aims more toward a distribution approach. As retirement age approaches, investing in the stock market may be less appealing, as most seniors aren’t keen on taking new risks with their money.

Different types of financial strategies and products such as annuities are experiencing a growing popularity among pre-retirees, as they can be used to create a guaranteed income stream that lasts throughout one’s golden years.

Keating helps his clients determine how to utilize a variety of strategies to maximize their retirement plan, and he begins by taking into account:

  • The individual’s age.
  • An estimate of their life expectancy, based on health and family history
  • Actuarial life expectancy rate.
  • The amount an individual expects to spend in retirement for basic needs and discretionary purchases.
  • The desired value of inheritance the retiree wishes to leave behind.

•The risk and return characteristics of assets.
•Liquidity; that is, how much cash the individual needs to access without restrictions each month.

Many pre-retirees are placing retirement savings in insurance vehicles that are designed to convert a lump sum of cash (or a series of premium payments) into a guaranteed stream of lifetime income, according to Keating.

“We offer a variety of options for developing a workable retirement plan customized to each individual’s needs,” Keating says. “The first step for pre-retirees is to educate themselves on how retirement works today, and prepare as well in advance for the inevitable day in which they are no longer bringing home a paycheck.”

Once an individual is armed with solid information, it makes sense to meet with a licensed retirement advisor who is qualified to help devise an income plan that will deliver a well-planned, secure and comfortable retirement.

To find out more, and to download the complimentary retirement guide, “10 Things to Know About Planning Your Retirement Income,” visit the Capital Income Advisors website, email jkeating(at)capitalincomeadvisors(dot)com, or call (800) 875-1986.

About Capital Income Advisors:

The primary focus at Capital Income Advisors is retirement planning. Jeremy Keating and the CIA team of advisors treat their clients as they would treat members of their own family. CIA strives to help create sound retirement income strategies for people in or nearing retirement, thereby instilling confidence that their retirement income will last as long as they do.

Capital Income Advisors serve all of Northern and Southern California, all across Texas including, Houston, Dallas, Austin, San Antonio, Midland, and the New York Tri State area. CIA offers retirement income strategies, wealth accumulation, asset protection, annuities, life insurance, tax minimization strategies, long-term care, IRA and 401(k) rollovers.

Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. and Arbor Point Advisors LLC. Capital Income Advisors, Securities America, Inc., and Arbor Point Advisors LLC are separate entities.

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Liz Ernst
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