True SECURiMENT ‘equity’ comes ONLY when you break 

the worries that prevent you from enjoying your assets!

Any steps you take to reduce risk, and by extension, stress and

worry will increase your “happiness equity” in retirement!

Gee, SECURiMENT sounds AWESOME! How do I achieve it?

By taking action with the following 7 steps!

One day you'll get tired of working, but your bills won't get tired of being paid!

You should have multiple sources of guaranteed income to cover your living expenses

and if you don’t have a pension plan, you should buy one. See short video here         

# 5 - Reduce future taxation

# 6 - Maximize Social Security

# 7 - Consider long-term health

Tax rates are currently at all time lows so converting tax-deferred assets and re-positioning to tax-free investments may be prudent. Having a plan for maximizing, rather than reducing, your social security benefits is a must. And, although it is not always possible, taking action to determine how you will be cared for (later in life) and how that care will be paid for, will insure your happiness both now, and later in life! See short video here

# 2 - Reduce investment volatility

# 3 - Eliminate losses

# 4 - Create floor / build foundation

There comes a point of time when losing money is no longer an option. For true SECURiMENT, you must set a floor under some of your assets to protect what you have worked your whole life for. A floor is achieved by shifting assets to a financial vehicle that guarantees the value will never go lower. Period. End of sentence. You must always operate with strength when it comes to your investments!

THIS NEXT PART CAN'T BE EMPHASIZED ENOUGH,  

WHICH EXPLAINS THE USE OF CAPITAL LETTERS!

YOU MUST AIM AT THE BULLS EYE!​

Let's use the marathon as an example. For there to be success on marathon day, everything has to go right. Sufficient rest, ample nutrition, the right pace. Proper hydration is vital as is having friends and family along the route. Don't forget proper footwear. You can't pick and chose among these variables as it doesn't work that way.

Months of rigorous training, but forgetting to eat during the race will sap your energy long before the finish line.  Having enough rest, but wearing a brand-spanking new pair of running shoes will make excruciating blisters the day's lasting memory!

 

The race to SECURiMENT is no different. Each of the following areas must be addressed!

INCOME
PLANNING
INVESTMENT
VOLATILITY
MANAGEMENT
CASH
EFFICIENCY

Operating from a position of

STRENGTH

with your financial future requires that

you consider all risks that might derail

your retirement plans. 

Ignoring multiple variables, in lieu of

just one area…will greatly reduce your chances for SECURiMENT!

Only one more thought, because we're running out of space 

You get to choose!

You get to choose how you reach the line that separates your work career from your second career - retirement. You can cross that line with a smile on your face and some pep in your step or you can stumble across in a whole world of discomfort!

Is it ever going to be an ideal time to take action?

Uh, probably not!

Your kids may need help, or work is busy, or you need to see the accountant, or you don’t have time to pull your financial materials together or someone isn’t feeling well or there is a restructuring at work or it's too complicated or you’re going out of town or the grandkids are around.

Yes, life is hectic and there’s never going to be an ideal time to take action and the status quo, or staying the way you are, is so incredibly warm and comfortable.   

 

Staying the way you are is not how you get SECURiMENT. You get SECURiMENT by taking action. By starting the race and as I always say, there are many ways to run into a secure and comfortable retirement, but doing nothing is not one of them.

 
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Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Rose Advisory Group are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by BCM.  Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract.