KEEPING YOUR MONEY SAFE PLACES WHERE YOUR MONEY CAN GROW AND BE PROTECTED SAFE MONEY PLACES Making Sure you Have an Asset Safety Net. Learn the best places to keep your money safe and not have to sacrifice returns or pay excessive fees.
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FOREWORD Thank you for your time and interest. This booklet was created as an educational guide with the intent to bring you greater clarity and understanding of the financial decisions you make. If you need more information on a subject discussed, we welcome your email and will attempt to get you the answers you need. Please be mindful as you read this; everyone’s financial situation is different. So any product or solution must match your specific financial picture. We strongly recommend you consult with a highly-rated professional about every financial decision you make. Because, just as not all products are created equal, neither are all financial professionals, and the difference in knowledge and advice can be substantial from one advisor to another. Working with a highly knowledgeable, independent, well-rated professional can make all the difference when it comes to the results you achieve. If you are ready to explore your retirement options and want some help cutting through the clutter and jargon, visit www.CertifiedSafeMoney.com for unbiased information and to connect with professionals who can answer all of your most pressing questions. If you ever have feedback related to this booklet or concerns about your retirement income and financial security, please email us at [email protected] we’re happy to help. CSM202101SAFEMONEY 3 [email protected] www.certifiedsafemoney.com
ENSURING A SAFE PLACE TO KEEP YOUR MONEY Nobodylikestolosemoney.Butunfortunately, when it comes to large financial gains, many advisors will tell you, “no risk, no reward.” So, while the stock market can offer you the opportunity to accumulate some significant gains, the opposite is also true. The market can be even more volatile during times like the 2008 economic recession and the 2020 COVID-19 pandemic (and corresponding market crash). Going with “safe” money investments will generally allow you to sleep better at night, knowing that a market “correction” won’t cause you to lose a large chunk of your portfolio. But many of these safer options, such as bonds and CDs, are paying painfully low rates. So, while you aren’t technically losing value in your portfolio, you are losing future purchasing power. In fact, in many cases, the low rates offered on these financial vehicles usually don’t meet, much less beat, inflation. What is the answer, then, as you approach retirement? The first step is getting a thorough understanding of how safe money products work and why they may or may not have a place in your portfolio. Some of the common investments include: • Bonds – corporate, government, agency, and savings • Stocks • Fixed and fixed indexed annuities CSM202101SAFEMONEY 4 [email protected] www.certifiedsafemoney.com
BONDS A bond is a type of fixed income instrument that represents a loan made by an investor to a borrower who is typically a company or government. Bonds can be thought of as IOUs between the lender or investor and the borrower. So, when you invest in bonds, you are considered the lender. The borrower or 'issuer’ is a business or government that promises to redeem the bond at the end of the set period or "maturity date.” In the interim, the bond issuer will pay you interest or a "coupon rate." The money received in bond offerings may be used for a wide array of purposes, such as project financing and operations. Depending on the bond, the “loan” time duration can range from just 90 days up to 30 years. If the underlying company should go out of business or file for bankruptcy, the bondholders (i.e., lenders) who are the first in line to receive the company’s assets—up to the amount they are owed. Then, whatever is left—if anything—will be paid out to the stockholders. Bonds are often issued in $1,000 denominations. This is referred to as its “par value.” However, they are usually quoted as parts of one hundred. For instance, if a bond sells at 93, it means that it sold for 93% of $1,000, or $930. If a bond is valued at less than $1,000, it sells at a “discount.” Alternatively, if it sells for more than its par value, then it is said to have sold at a “premium.” Either way, though, the bond issuer will pay the investor par value at maturity, or $1,000. A bond’s purchase price and its redemption price will not necessarily be the same. That’s because this can reflect the time value of any premium or discount. For instance, a bond’s yield to maturity is the total return anticipated on a bond if it is held to maturity. And even though YTM is considered a long-term bond yield, it is expressed as an annual rate. Therefore, a bond’s YTM, or yield to maturity, is not determined by dividing any premium or discount by the years until the bond’s maturity. For example, if a bond has a 6% coupon rate and ten years until maturity, but it was bought for $800, the yield to maturity would be 9.09%. On the other hand, if this same bond is purchased for $1,200 with all of the other factors being equal, its yield to maturity would be 3.60%. Bonds typically have a “coupon rate,” which is the interest rate paid on the bond, usually on a semi-annual basis. Therefore, if a bond has a coupon rate of 6%, it will pay $60 per year, or $30 twice a year, to the investor. The coupon or interest rate that a bond pays out is, in large part, determined based on how long its maturity date is and the issuing company or government’s rating. Bonds with a longer maturity or issued by companies or governments with "low" ratings or higher risk will usually have a higher coupon rate or interest rate. Likewise, “callable” bonds will also typically pay a higher interest rate. That is because the issuer of the bond may be able to “call” the bonds before their maturity date, in turn reducing the number of interest payments the bondholder will receive. CSM202101SAFEMONEY 5 [email protected] www.certifiedsafemoney.com
Some kinds of bonds, such as zero-coupon bonds, do not pay out regular interest. Instead, these bonds are sold at a “discount,” with their par, or full, value paid out when the bond matures. One example of a zerocoupon bond is the “Series EE Savings Bond.” Although bonds are considered to be safe investments, the price of bonds can still rise and fall as interest rates fluctuate. For example, when interest rates rise, existing bonds can lose value because new bonds are more attractive to investors. But just the opposite is also true. The value of bonds can also be impacted by inflation. In this case, rising inflation can erode the purchasing power of a bond’s future cash flows. For instance, with higher inflation and higher expected future inflation rates, more yields will rise because investors will demand this higher yield to compensate for inflation risk. Although bonds are often considered safer than stocks, some bonds may be riskier than others. A bond’s credit rating can determine this risk. For instance, credit ratings for a company and its bonds are generated by credit rating agencies like Standard & Poor’s, Moody’s, and Fitch Ratings. The highest quality of bonds are referred to as “investment grade” bonds. These typically include bonds that are issued by the United States government, as well as very stable companies like utilities. Bonds that are not considered to be investment grade but are also not in default are referred to as high yield, or junk, bonds. While these bonds will usually pay out a higher coupon rate, they also have a higher risk of default. Four primary bond categories are available in the marketplace. These include corporate (or company) bonds, government bonds, agency bonds, and savings bonds. Some companies issue foreign bonds, which could technically be considered a fifth category. CSM202101SAFEMONEY 6 [email protected] www.certifiedsafemoney.com
Corporate/Company Bonds Corporate or company bonds are a type of debt security issued by a firm and sold to investors. The company receives the capital that it needs, and in return, the investors are paid a set number of interest payments either at a fixed or variable interest rate. Then these bonds reach their maturity date, the interest payments stop, and the original investment is returned to the investor. Because corporate or company bonds will often carry a higher risk than U.S. government bonds, they will usually offer a higher interest rate to their investors to compensate for the added risk. Government Bonds Government bonds are those that are issued by the United States Treasury. There are several different types of government bonds, including: • Treasury Bills – Treasury bills are issued by the government and have a maturity of one year or less. • Treasury Notes – Government bonds issued with maturities of one to ten years. • Treasury Bonds – The U.S. Treasury issues bonds with maturities of ten or more years. Agency Bonds There are government-affiliated entities, such as Fannie Mae and Freddie Mac, that also issue bonds. These are referred to as agency bonds. These bonds are not fully guaranteed the same way that municipal and U.S. Treasury bonds are. U.S. Savings Bonds U.S. savings bonds are a type of government bond offered to help fund federal spending, which can help investors with a guaranteed— albeit low—rate of interest. One example of a government savings bond is the Series EE, which is sold at 50% of its face value and then matures to its full value after twenty years. Foreign Bonds Foreign bonds are issued in domestic markets by foreign entities in the domestic market’s currency to raise capital. For foreign companies that do a large business in the domestic market, issuing foreign bonds is a fairly common practice. Because the domestic country’s residents usually buy these bonds, foreign bonds can be attractive because they can provide investors with foreign content in their portfolios without the added exchange rate exposure. CSM202101SAFEMONEY 7 [email protected] www.certifiedsafemoney.com
STOCKS Stocks are investments that signify ownership in a company or corporation. When you own a stock share, you are a partowner in the underlying company. The price of stock shares will usually track the earnings of the underlying company. So theoretically, the value of a good company’s stock may go up, even if the stock market goes down, and vice versa. The price of a stock is also based on the projected future earnings of a company. This means that if a company is expected to make a lot of sales of its products or services in the future, its stock price is likely to become more valuable, and in turn, its price will likely go up. While no stock price is guaranteed, some types of stocks may be less risky than others. For example, blue-chip stocks constitute shares in large companies that have excellent reputations for being financially stable. These companies will often have a market capitalization that is in the billions. Some examples of these include Coca-Cola and Boeing. Many blue-chip stocks pay dividends— which constitute a portion of the company’s earnings—to their shareholders. Although dividends are never guaranteed, some companies have been paying dividends for many years or even multiple decades. These dividends may make up a portion of a retiree’s income plan. On the other hand, some types of stock are considered riskier. These can include penny stocks (which may also be referred to as small-cap stocks), which often trade for under $5 per share. Although these stocks could “hit it big” and provide you with a significant return, the opposite is also true in that you could end up losing all your investment. As you approach retirement, it is essential to shy away from risky investments and instead lean towards alternative safe money investments, even if they do not offer the opportunity for substantial growth. With that in mind, an important question to ask yourself is whether you want to double the current value of your portfolio or keep the value of your portfolio from being cut in half! CSM202101SAFEMONEY 8 [email protected] www.certifiedsafemoney.com
FIXED ANNUITIES Fixed annuities are a type of financial vehicle that is considered on the safe side. Annuities represent a contract between you and an insurance company that states, in return for one or more contributions into the account, the insurer promises to pay out a set amount of income for either a fixed period (such as ten or twenty years) or even for the rest of your life. There are several different types of annuities, but not all of them are considered to be safe. A fixed annuity guarantees that the offering insurance company will pay the purchaser a guaranteed fixed rate of interest on their contribution(s) to the annuity for a set period. Fixed annuities can provide you with safety of principal in any type of market environment, as well as tax-deferred growth. Some of the key benefits of fixed annuities are their safety and predictability. These financial vehicles are primarily known for their safety and their guarantees. Because of that, fixed annuities can be a good option for those who are risk-averse. The return rate on a fixed annuity can be somewhat low in return for their safety and protection. For instance, fixed annuity rates are on par with those of CDs or bonds. But the advantage with the annuity is that growth is not taxed until withdrawal, which could be years in the future. In addition to their set rate and safety, fixed annuities may also offer some added features, such as a death benefit or penaltyfree withdrawals if the owner is diagnosed with a terminal illness or requires long-term care services. Fixed indexed annuities (FIAs) are another type of fixed annuity. The most significant difference between a regular fixed annuity and a fixed indexed annuity (FIA) is how the return is determined. For example, a fixed indexed annuity tracks an underlying market index (or more than one index), such as the S&P 500. If the index performs well, a positive return is credited to the annuity, often up to a set “cap” or maximum. If, however, the underlying index performs poorly, the fixed indexed annuity will not lose value. So, in some ways, a fixed indexed annuity could provide you with a “best of both worlds” scenario. Like other types of annuities, FIAs also offer the option of receiving a lifetime income stream. CSM202101SAFEMONEY 9 [email protected] www.certifiedsafemoney.com
Some other benefits may also be included in a fixed indexed annuity. For instance, many of these financial vehicles have a death benefit. So, suppose the annuitant (i.e., the income recipient) dies before he or she receives back all their contributions into the annuity. In that case, the remaining funds will be paid out to a named beneficiary. (The tax treatment of these benefits differs from life insurance death benefits in that the funds from the annuity are not received income tax-free). There may also be a nursing home or terminal illness waiver on a fixed indexed annuity. Suppose the annuitant has to reside in a nursing home facility (usually for at least ninety days) or are diagnosed with a terminal illness. In that case, some or even all the annuity’s account value may be accessed free of a surrender charge. The growth in a fixed indexed annuity is tax-deferred. So, there is no tax due on the gain until the time of withdrawal. These annuities will also provide different income options, including one that will continue to pay out for the rest of the annuitant’s life. Another type of annuity is the deferred income annuity or DIA. Deferred income annuities—which are also commonly referred to as longevity annuities—can provide you with a guaranteed lifetime income that starts at a future date, up to thirty or forty years, in some cases. A deferred income annuity, or DIA, works similarly to an immediate annuity—other than the fact that the income payments do not begin immediately (or even within twelve months of purchasing the annuity). The income payments from a deferred income annuity (DIA) can often be much higher than those of an immediate annuity. One reason for this is because the annuitant’s life expectancy is typically shorter due to the income payments not starting until later in their life. Some insurance companies that provide deferred income annuities will also offer various riders that help you design a product that more closely fits your needs. These riders may include benefits that increase your guaranteed income or ways to keep your purchasing power intact and provide you with a hedge against inflation. CSM202101SAFEMONEY 10 [email protected] www.certifiedsafemoney.com
Annuities and Safe Money Options Depending on the annuity, there are typically several different income options that you can choose from if you opt to “annuitize” (i.e., convert the annuity over to an income stream). These may include the following: - Life Only – The life-only option will continue to pay income for the remainder of the annuitant’s (i.e., the person on whose life the income is based) for as long as he or she lives. With the life-only option, the concern about running out of income when it is still needed can be alleviated. This, in turn, can lead to a worry-free retirement. - Period Certain – With the period certain option, the annuity will pay income for a predetermined period. After the period has elapsed, the income from the annuity will stop. If the annuitant dies before the time period is up, the remaining payments will be made to a beneficiary. - Life with Period Certain – The life with period certain payout will continue for the rest of the annuitant’s lifetime. However, if he or she dies before a set period— such as ten or twenty years—payments will continue to be made to a named beneficiary until the pre-selected time period has elapsed. - Joint and Survivor – With the joint and survivor option, two individuals, such as a husband and wife, can count on income to continue until the death of the second individual. In some cases, the dollar amount will be reduced at the first person’s death, and in other instances, the amount will remain the same. The money that is inside of an annuity doesn’t necessarily have to be converted into an income stream, though. It can instead be withdrawn as a lump sum. However, if you go this route, the tax on any of the previously untaxed dollars will be due in the withdrawal year. CSM202101SAFEMONEY 11 [email protected] www.certifiedsafemoney.com
HOW MUCH ARE YOU EARNING ON YOUR MONEY? Keeping your money safe can involve choosing investment options that do not put your hard-earned savings at risk. But even though a particular financial vehicle might appear to be safe, the reality is that it may or may not be generating as much as you might think. Because of this, it could be subjecting you to other financial-related “dangers,” such as loss of purchasing power or no protection against inflation. One way to gauge the performance of your money is to determine the rate of return. In its most basic sense, the rate of return on an investment is defined as the net gain or loss over a specified period of time, which is expressed as a percentage of the initial cost of the investment. In essence, when you calculate the rate of return, you are determining the percentage change from the beginning of the investment period to the end. In this case, an investment’s rate of return is used for measuring the profit or the loss of the investment over time. Rate of return can be used on several different financial or investment vehicles, such as stocks, bonds, real estate, and even collectibles like art. It is essential to keep in mind that the impact of inflation is not considered in the simple rate of return calculations. (It is, however, considered when determining the real rate of return.) There are also many different ways in which an investment or an account may determine your money’s growth. For instance, you could be earning simple interest or compound interest. For instance, simple interest is determined by taking the amount of money you deposit multiplied by the annual interest rate times the amount of time that the money is deposited. For example, if you deposited $1,000 into a savings account that pays 5% simple interest, you would have $1,050 at the end of the first year. The following year, you would have $1,100. This is because the simple interest rate that you are earning does not consider your previous interest earned but rather only the initial $1,000 that you deposited. On the other hand, compound interest considers your initial contribution, as well as any prior interest earned. In this case, if you deposited $1,000 and you were earning 5% compound interest at the end of the first year, you would have $1,050. However, at the end of the second year, you could have $1,102.50. This is because the 5% interest in Year 2 was calculated using the $1,050 versus only your initial contribution of $1,000. Because of this, compound interest can generate a superior rate of growth, particularly over a long period. CSM202101SAFEMONEY 12 [email protected] www.certifiedsafemoney.com
OTHER STRATEGIES FOR KEEPING YOUR MONEY AND FINANCIAL LIFE SAFE In addition to stock market volatility and the rise and fall of interest rates, investors need to be mindful of other types of potential risks that could befall them financially. Some of these issues can include fraud, identity theft, and financial fraud. While all investors can be subject to this type of risk, many financial crooks tend to target the senior population. That’s because older individuals are more likely to have larger portfolio values (after many years of saving and investing). Also, many scammers can appear to be legitimate with their “offerings.” Therefore, strangers who pose as legitimate businesspeople, government officials, or other trusted individuals will often commit these types of crimes. Today, with the internet’s significant reach, it is easier than ever for financial scammers to reach people, even those who are hundreds, or even thousands, of miles apart. Safe money advisors agree that having a good understanding of how some of these crimes work can help you identify whether someone approaching you is a friend or a foe. Fraud/Identity Theft Fraud can come in many different forms. This includes identity theft, which occurs when someone else uses your Social Security number or other personal information to open new accounts, make purchases, or obtain a tax refund. Identity theft can take many different forms – and unfortunately, this type of crime is not always noticed right away. So, a thief could essentially be using your information without your knowledge for weeks, months, or even longer. Some common types of identity theft include the following: - Driver’s license identity theft. A common form of identity theft, this type of fraud, occurs when someone steals your ID and then tries to make purchases under your name. They may also try to obtain other forms of identification using your information and their picture. - Mail identity theft. With mail ID theft, criminals will steal personal information – such as that listed on credit card statements or other billing information – and then use this information to make purchases or open up credit cards in your name. - Debit or credit card identity theft. One of the oldest forms of identity theft occurs when your debit or credit card is stolen and used to make purchases that you did not authorize. Criminals can often make such purchases, even without the physical credit or debit card, if they have the number and security code. CSM202101SAFEMONEY 13 [email protected] www.certifiedsafemoney.com
- Online shopping fraud. The Internet has made life much more convenient. However, it has also allowed a plethora of online criminal behavior, such as online shopping fraud. In this case, items will be bought using your credit or debit card information and then shipped to a different address. According to Experian, online shopping fraud has increased since the implementation of chip credit cards. - Social Security number identity theft. If a fraudster gets hold of your Social Security number, any number of acts may be committed, such as criminals applying for home loans in your name. Then, when the loan is not repaid, it can affect your credit report and score. - Account takeover. Account takeover occurs when a criminal gains access to your bank or credit card accounts—usually due to a data breach or phishing scam— and then changes these accounts. - Tax identity theft. Tax identity theft can occur when criminals can access your name and Social Security number and then file a tax return in your name before you have legitimately filed. In some cases, the criminals will use false income and withholding figures to receive a larger tax refund amount (which is sent to their address, not yours). - Synthetic Identity Theft. Synthetic identity theft is a fast-growing form of fraud. In this case, criminals will “merge” both real and false information and, in turn, create a brand-new identity. This information can usually be obtained via the “dark web.” This is the portion of the Internet that is intentionally hidden from search engines, uses masked IP addresses, and is only accessible using a special web browser. Some of the other common frauds to be mindful of include the following: - Prize/Sweepstakes “Winner” Scams – With this type of scam, an individual may receive a phone call or a letter informing them that they have won a prize or a large sum of money. Before any of these “winnings” can be delivered, the “winner” of the prize is told that they must pay for taxes, fees or shipping and handling charges. Unfortunately, the prize never arrives. - Fraudulent Investments – Seniors are particularly at risk for fraudulent investments. With this scam, a firm will “guarantee” a great return on a business opportunity, investment, or other types of “deal.” Because these investments will allegedly pay higher rates than investors can get at banks or other legitimate financial companies, it is easy to get lured in. - Charitable Donations Scams – It is becoming more prevalent for criminals who are disguised as charities to collect donations or money for “raffles.” If approached by someone seeking money for a charitable entity, it is essential that you first do some research and determine whether the organization exists. CSM202101SAFEMONEY 14 [email protected] www.certifiedsafemoney.com
- Home/Vehicle Repair Scams – Sometimes, criminals will canvas neighborhoods telling consumers that they can provide a great deal of home improvement or vehicle repair services. Once you hand over the “down payment,” though, you will not likely ever see the crook again. - Mortgage/Loan Fraud – Even if a lender appears to be legitimate, some predatory lenders will use false or misleading sales techniques to make high-interest (and high-commission) loans to consumers. Unfortunately, if a homeowner falls for this type of scam, it is possible that they could end up losing their home in foreclosure because they are unable to pay the mortgage at a higher rate. - A Friend or Relative in Need of Help – Another popular financial scam involves the receipt of a call or email from a loved one who is supposedly in a foreign country and needs money so that they can get home. The scammers who operate these frauds will usually have the victim wire funds to a specific location, and the money then disappears. While there is no way to stop financial scammers completely, there are things that you can do to protect yourself from becoming a victim. These strategies can include the following: - Deal only with companies that you know are legitimate – such as banks, investment firms, and lenders. And, if you are not sure whether or not to trust an individual or company that has approached you about doing a financial transaction, contact your state or county Consumer Protection office or the Better Business Bureau. - Learn all the costs and fees that you may be charged. If a salesperson glosses over any cost or fee-related information, it is recommended that you not move forward with the transaction. - Regularly monitor and review your credit card and bank statements. If you notice any purchases that you did not make or any financial transactions unfamiliar to you, report them immediately to the bank or credit card company. - Review your credit report regularly. Regularly reviewing your credit report can also be eye-opening, especially if multiple accounts are not legitimately yours. All consumers can receive one free credit report each year, where you can view your information from the three big credit bureaus, Equifax, Experian, and TransUnion. To order your free credit report, go to www.annualcreditreport.com. CSM202101SAFEMONEY 15 [email protected] www.certifiedsafemoney.com
CSM202101SAFEMONEY 16 [email protected] www.certifiedsafemoney.com All investments, retirement, and estate planning strategies (collectively “Strategies”) have inherent risks. Content is not personalized financial advice and should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author on the date of publication and may change in response to market conditions. Although the information has been gathered from sources believed to be reliable, we do not guarantee its accuracy or completeness. There can be no assurance that you will achieve your goals if you implement any of the Strategies discussed. Past performance does not guarantee future results. Indexed universal life insurance may not be suitable for you, depending upon your investment objectives, risk tolerance, financial situation, and liquidity needs. Accessing policy cash value through loans and surrenders may lead to a permanent reduction of the policy’s cash value and death benefit, which may lead to a potential lapse of the policy. Insurance product guarantees are subject to the claims-paying ability of the issuing company. There may be tax penalties for distributions prior to age 59½. Working with a highly-rated professional does not ensure that you will experience a higher level of performance. Professional awards do not guarantee future investment success. Please contact the professional for more information regarding the criteria for any awards or rankings noted. Ratings can be based on client evaluations and the professional’s activity. Hyperlinks in this Booklet are provided as a convenience. Neither the information in this Booklet nor any option expressed herein constitutes an offer to sell or solicit any person to purchase any security or product. Investment decisions should not be made based on information in this Booklet. Individuals should rely exclusively on the offering material provided to them by a licensed professional or regulated entity when considering whether to invest. Usage of this Booklet requires your acknowledgment that you shall hold CertifedSafeMoney. com, Financial Media & Marketing, LLC, and its Officers, Directors, Employees, or Agents (collectively “FMM”) harmless. In addition, you specifically acknowledge and agree that no oral or written information or advice provided by FMM (Including without limitation its call center representatives) will (I) constitute legal or financial advice or (II) create a warranty of any kind concerning this Booklet or the services found on any website(s) related to or owned by FMM, and users should not rely on any such information or advice. FMM disclaims all representations and warranties of any kind, express, implied, statutory, or otherwise, to you and/or any other party, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, fitness for any particular purpose, and usefulness of the content provided. FMM shall have no tort, contract, or any other liability to you or any other users of content from this Booklet and/or to any other party. FMM shall not be liable to you and/or any other party for any lost profits or lost opportunities or any indirect, special, consequential, incidental, or punitive damages whatsoever arising out of or relating to the use of this Booklet, even if FMM has been advised of the possibility of such damages. Tax and legal information provided is general in nature and should not be construed as legal or tax advice, and it is not a substitute for your independent research and evaluation of any issue. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional should be sought. The firm is not engaged in the practice of law or accounting. Always consult an attorney or tax professional regarding your specific legal or tax situation. SIMPLIFYING YOUR FINANCE AND YOUR LIFE As you approach retirement, a key goal is to ensure that you don’t risk losing your savings— especially if these funds will be used to generate some or even all your future income. Knowing that you will have a reliable income stream that continues to flow in, regardless of what is happening with the stock market or with interest rates, can provide you with a worryfree retirement. Having this at a time in your life where you won’t have to lose sleep over wondering whether or not your money will last as long as you need it to. If you’d like to talk with a safe money advisor who can provide you suggestions on keeping your money safe, we’re here to help. Please feel free to search for the highest-rated professionals available on www.CertifiedSafeMoney.com
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