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Financial Planning                                                       
Retirement Planning                                                     
Investments                                                                 
Rollovers - IRA & 401(K)                                               
Asset Preservation                                                         
Wealth Accumulation
Income Planning
Tax Planning
Life Insurance
Long Term Care
Education Funding



Financial Planning

Financial planning to me is a comprehensive and ongoing approach to managing all aspects of your financial life.

I consider your income, expenses, investments, debt, short-term and long-term goals -- like paying for college or retiring comfortably -- along with your taxes and financial risks (such as disability and death)

My financial planning process revolves around my long-term personal relationship with you. I have financial analysis software available to me, so that together we can develop the most effective way to manage all areas of your financial life. Your plan deserves a unique approach designed just for you, identifying the strategies and tactics needed to meet your long-term goals and objectives.

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Retirement Planning

Retirement income plans are for everyone. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine back when retirement was only expected to last five to ten years.

These days, however, people are living longer. It's not unusual for someone retiring at age 65 to live to age 90 or longer. You should consider that you may need to plan for your nest egg to potentially last 25 to 30 years.

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Investments

There's no shortage of companies offering you investment advice these days, but so many of them just offer their own branded products. I work with a wide variety of companies, giving you more freedom and flexibility in your investment choices. 

I deal with a full range of investment accounts on a daily basis, so I am always ready to help you with your specific situation. Need to transfer an IRA? Looking to roll over a 401K plan from a previous employer? No problem. When it comes to investments, I work with them all: stocks, bonds, variable annuities, mutual funds, tax-sheltered accounts and more. 

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Rollovers - IRA & 401(K)

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:
  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
  • Transfer the money to another employer plan (if the plan allows)
  • Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. I can help you determine if a rollover is the right move for you, and I can help find the best vehicle to help conserve and grow your rollover assets.

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Asset Preservation

In recent years, I've seen that aggressive and conservative products, both domestic and global, can move in tandem with one another. In other words, I have experienced market scenarios in which there is very little safety anywhere—even for diversified portfolios.

Twenty-first century asset preservation calls for more than just strategic asset allocation. Product allocation—buying instruments that can preserve your portfolio from negative returns early in retirement—is generally considered a more effective means of preserving assets.

Diversifying your retirement assets among a variety of vehicles—both insurance and investment oriented, depending on what is appropriate for your situation—may offer you the best chance of meeting your retirement income goals throughout your lifespan.

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Wealth Accumulation

Time doesn't stand still, and neither does money. That's why you can use time to your advantage when investing your money for wealth accumulation.

The longer you invest, the more time your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.

However, given recent lessons learned in stock market investing, it is important to remember that more conservative retirement plans typically have only a portion of the assets invested in the stock market. Other allocations should be set aside for more conservative investments. After all, the last thing you want to do is lose wealth during the next market correction.

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Income Planning

Thanks to new prescription drugs and medical technology, people are living longer than ever before. However, one drawback to a longer life is the greater possibility of outliving your savings – creating all the more reason to develop a retirement income plan designed to last a longer lifetime.

A significant investment loss in the years just prior to and/or just after you retire can have a devastating impact on the level of income you receive over the course of your life. In fact, the earlier a loss occurs, the greater the chance of depleting your retirement savings.

I can help you design an income plan incorporating insurance and investment vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement.

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Tax Planning

In the US, we have entered an environment of rising taxes. That's why it's important now, more than ever before, to incorporate tax planning into your portfolio and all of your financial decisions.

Investing in a tax-deferred vehicle means your money will compound interest for years, unfettered by income taxes, allowing it to earn interest at a faster rate. While very few investments avoid taxes altogether, many allow you to defer paying them until retirement – when you may be in a lower tax bracket.

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Life Insurance

When shopping for life insurance, consider needs such as replacing income so your family can maintain its standard of living, as well as paying for your funeral and estate costs. As a rule of thumb, you should seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: Term and Permanent.

Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiary only if you die within that time period. You pay the same amount of premium from the first day of the policy until the term ends. Permanent insurance, on the other hand, does not need to be renewed. A permanent insurance policy will stay permanently in effect for the rest of your life so long as premiums continue to be paid.

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Long Term Care

As we go through our 50s, one of the biggest concerns may not be outliving income, but outliving good health.

For seniors, home health care can cost $50,000 or more per year(1), and nursing home care can run as high as $80,000(2). Does your retirement plan account for this kind of possibility? Would you be prepared for twice that number as a married couple?

Considering that you have to exhaust virtually all of your financial means before Medicaid will pay for long-term care and neither your group nor major medical insurance will cover long-term care, it's critically important to plan ahead and protect yourself from these costly expenses.

I can help evaluate your situation and determine if purchasing a long-term care insurance policy is the right move to help insure your future.
  1. Genworth Cost of Care Survey, 2010
  2. MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs, 2009
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Education Funding

A college education may be a fundamental American right, but that doesn't make funding one any easier. You try to focus on the important issues, but the sheer volume of information out there—financial aid forms, loans, deadlines and more—can quickly overwhelm you. And if you can't qualify for aid, then what? 

I can help guide you through the maze of college funding options. I help ease your stress with a straightforward, no-nonsense approach to finding the funds you need for a quality education. The bottom line: you have LOTS of options available. I have the extensive knowledge base you need, and I work with a full spectrum of agencies to find the best college savings plans and other college investment options available to you.

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Investing involves risk including the potential loss of principal. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation and rebalancing, can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

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 Karen Weible  1207 Sinclair Drive, Jerseyville, IL 62052,  618-639-9846, kweible@sagepointadvisor.com

Securities, insurance, and advisory services offered through SagePoint Financial, Inc., member FINRA/SIPC.





This communication is strictly intended for individuals residing in the state(s) of IL, MO and TX. No offers may be made or accepted from any resident outside the specific states referenced.
 


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