You can test drive a car or an RV, but what about your retirement? Plus, the advantage and power of annuities in the current economic climate as you plan for your financial future and retirement planning.

6-15-2024 Testing Your Retirement and The Power of Annuities

New Livestream guest- Mark Willis

Book a call with Mark at https://www.NewBankingSolution.com

I’m happy to have Mark join me on a live broadcast.

Mark has been on the show many times discussing insurance strategies for small business owners and buyers and is the sponsor of my show.

Tune in as we’ll be discussing something new- Annuities.

This is a ‘must see event’ for anyone who is entrepreneurial or wants to learn about money or investing.

I’m going to ask him about how these tools can play a role in business or in your plans for retirement or helping to retain/recruit staff and other ‘angles’ that could be interesting.

Be sure to join live so that you can ask questions, replay will be available.

We’ll be going live June 17, 2024 at 12 Noon Eastern Time, 1PM Atlantic Time

See you there!

David C Barnett

P.S. See all of Mark’s past appearances on this page- https://www.NewBankingSolution.com

Book a call

LIVE- Mark Willis Learning About Annuities And How They Can Work For Smallbiz Owners

Victor McClure and Steve Ringo discuss the latest high rates in the economy, father's day, and answer your financial questions about your retirement.

6-22-2024 High Rates, Fathers Day and Retirement Mailbag Questions

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The Truth About Buying Annuities

What if your financial plan could shield you from life's unexpected turns? On this episode of Bite Size Finance, I chat with John Lockwood, a seasoned advisor at CapTrust, who opens up about his personal journey into the world of financial and insurance planning. Inspired by a neighbor and propelled by family challenges, John shares how crafting his first financial plan during his father's health crisis laid the foundation for his career. His story underscores the profound impact of understanding and managing financial risks, making this episode both inspiring and informative.

John's expertise shines as he breaks down the critical balance between offensive and defensive financial strategies. From the intricacies of insurance contracts to the tax implications of liquidating policies, he provides a clear roadmap on integrating insurance into a holistic financial plan. We explore the nuances of self-insuring versus purchasing insurance and stress the importance of regularly assessing your coverage to ensure it aligns with your evolving goals. This is important for anyone looking to fortify their financial future against unforeseen events.

We also tackle the often-overlooked topic of underperforming annuities, providing actionable strategies for "annuity rescue." John discusses options like surrendering annuities, utilizing annuitization, and leveraging tax advantages through family gifting. The episode wraps up with a deep dive into estate planning and the current trend of Roth conversions, offering valuable insights on how to reduce future tax liabilities while maximizing tax-free asset growth. Whether you’re navigating complex annuity decisions or considering a Roth conversion, John’s practical advice will equip you with the knowledge to make informed financial choices. Connect with John Lockwood for personalized guidance and take control of your financial wellbeing today.

For more information on what we provide at CAPTRUST visit www.captrust.com.
You can reach John Lockwood via email at: john.lockwood@captrust.com
You can contact me, Kelly Brothers, through the show at: bisifipodcast@gmail.com
To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Episode Highlight Timestamps(00:17 - 01:25) Insurance Matters With John Lockwood
(07:04 - 08:38) Success in Insurance Sales Internship
(14:45 - 17:58) Insurance Contract Repurposing and Self-Insurance"
(17:59 - 20:21) Long-Term Care Insurance Options
(22:22 - 23:03) Planning for Long-Term Care Protection
(30:36 - 32:03) Lifetime Income Stream Gift Planning
(36:09 - 38:47) Insurance and Estate Planning Advice

Chapter Summaries(00:00) A Journey Into Financial Planning

John Lockwood's journey into financial advisory began with a passion for finance and was solidified by his experience with his father's cancer diagnosis.

(09:47) Insurance in Financial Risk Management
Risk mitigation is crucial in financial planning, balancing investments and insurance to protect against death, loss of income, and long-term care needs.

(25:47) Navigating Annuity Rescues and Alternatives
Annuity rescue strategies include surrendering, annual distributions, annuitizing, gifting, and introducing for guaranteed income in retirement.

(41:03) Estate Planning and Roth Conversions
Strategies for managing estate growth and taxes, including Roth conversions and avoiding over-reliance on life insurance.

(47:27) Contact Information for Financial Advisor
John Lockwood, trusted advisor at CapTrust, can be contacted for financial advice or insurance queries via email or phone.

Episode 36: Insurance and Annuities as Part of a Financial Plan.

Selph Insurance Agency's fixed indexed annuities combine market-linked growth with steady returns. These annuities offer a safe and risk-free approach to increase your retirement savings while lowering your minimum interest rate requirements. They also have the potential for increased gains based on an index of stocks.
visit our website:https://selphinsurance.com/annuities

Fixed Indexed Annuities

Discussing the latest volatility in the stock market, the upcoming retirement surge of baby-boomers, 10 steps for a midyear financial checkup, Victor returning from Rome and more.

8-10-2024 Stock Market Volatility and a Baby-Boomer Retirement Surge

Sometimes the 'sizzle' just doesn't measure up! Join us for a discussion on annuity sales messages!

EP 15: Annuity 'Sizzle' May Lead to Misrepresentation!

Join us as I am the student along with everyone else to learn what a secondary market annuity is, what makes it different from other annuity contracts, what's in it for the annuity purchaser, and what the risks are.

EP 19 What Is A Secondary Market Annuity With Curt Gibbs And Nathaniel Pulsifer

Retirement planning is crucial today, as traditional pensions are less common and people live longer. The process involves determining one's retirement income needs, calculating the difference between one's expected income and expenses, and developing a savings plan to cover that gap. Choosing the right retirement savings tools, such as employer-sponsored plans, IRAs, and annuities, and understanding their tax implications are essential for maximizing your savings potential. By starting early, you benefit from the power of compounding, allowing you to accumulate a substantial nest egg over time.
Free Retirement Planning Resources: https://www.empoweringyourfinance.com/retirement-planning-education

Retirement Planning: The Basics Eps. 1

Retirement Planning: The Basics

Hi, I'm Darnell of Empowering Your Finance. Our podcast, The Road to Financial Empowerment: "From Debt to Financial Freedom, " aims to inspire people through financial education and planning to achieve their financial goals and live life on their terms. Let's Grow Together Financially!

I discuss buying, selling, financing and managing small and medium sized businesses either alone or with guests.  
I've started, bought, sold and closed businesses. 
Author of three best-selling business books; 'Invest Local: a guide to superior investment returns in your own community,' 'Franchise Warnings: What you really need to know before you buy' and 'How To Sell My Own Business: A guide to selling your own business without paying a broker's commission.' all available as well as 5 other books on Amazon or from www.DavidCBarnett.com

We are excited about our Corporate Office moving to The Star in Frisco, TX!!!! Our philosophy is to be completely transparent, to give our clients the most unbiased guidance we can offer, and to always put their interests' first.

Host David Kinder, RFC®, ChFC®, CLU® and co-hosts Michael Moffat and Curt Gibbs believe that the system is broken when it comes to traditional advice. We believe that traditional advice benefits the U.S. Government, Wall Street, and banks FAR more than the plan participants. Join us for many discussions to learn what we can come to know.

At various points in his 30-year broadcast career, Kelly Brothers has anchored the No. 1 evening newscast in Sacramento on KCRA 3 and the No. 1 morning news show on News 93.1 KFBK. He is currently a Principal and Advisor at CAPTRUST, based in Sacramento.  For the program, Kelly serves up some of the most succulent stories from our region about people, places and things that impact the community and your financial well being. I'm sure there will even be a few tasty surprises here and there, when the recipe is right. The goal is to have you learn, think, even laugh a little bit, all calorie free. Hopefully you'll enjoy what he's delivering right to your kitchen table or dining room or... will you be eating in your car, wherever you choose to listen.

New tracks tagged #Annuities