Maximize Retirement

We can help you deploy your retirement money properly while meeting your liquidity needs and making sure your risk is suitable at the same time helping you strike a proper balance between the short-term and the long-term maturities. We can also assist you in making sure you are paying only your fair share of taxes and not one cent more. Additionally, the income from your retirement money, pension (if you have one) and your Social Security can be perfectly coordinated to assure you a worry free retirement without fear of outliving your of money.

When it comes to risk free retirement, go for safety and steady growth of your principal that brings peace of mind and GUARANTEED PAYCHECK for the rest of your life.

Maximize Your Retirement Savings

The Most Common Mistakes

The two most common money mistakes made by retirees are:

  • Putting all of their retirement assests in short term savings places, with little or no growth after fees and taxes and not not have enough to retire with
  • Unknowingly taking too much risk they can't afford; unless fixed sooner, there's no turning back

Where to Invest?

If you have your retirement money in highly liquid places that allow you access immediately, you’re paying a dear price for liquidity you may not need. Not all of your retirement money will be needed at the same time; therefore you may need to space your funds so they come due when needed, yet retain enough flexibility to take care of an emergency, should one arise. Far too many people have all their retirement money in the “market” and exposed to the risk of principal loss in its entirety. Certainly some of your money needs to be in short-term places that give you access without penalty. Some may be able to afford the risk of the market with some of their retirement money, but too much in either place is generally a bad plan.

There is no one "best place" to put your retirement money because each individual and couple has unique requirements, different tolerances for risk and need to access their money at different times. Retirement strategy is not a "one size fits all" solution and your unique circumstances must be considered to determine what is the "best place for you". This is where we can be of service.

What Happens to My Retirement if the Market Collapses?

We know it's difficult to imagine a time when you won't be there to help provide for your family, which is why Universal Insurance Agency offers programs designed to help meet your life insurance requirements at any stage of life. Call our office in Dayton, Ohio, to schedule a consultation and learn how much we can help you save on any life insurance.


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