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It is hard to know what to do or where to turn for advice. Yet, how you plan for your retirement and the transfer of your wealth are among the most important decisions of your life. How much do I need to save for retirement? Whether you are just starting your career or well into your career, now is the best time to think about retirement. The longer you wait to start saving, the more you’ll need to save each month in order to meet your estimated retirement goal. You may want to consider one of these ways to invest.
There is no doubt that to
most people estate planning is an unpleasant topic to discuss, and therefore
usually do nothing. Unfortunately, if you ignore those issues now, you may
cost your family thousands or even millions of dollars later, as well as
cause considerable anguish. Proper estate planning takes far less time
and effort than most people imagine, and it can give you tremendous peace of
mind. How should we transfer our wealth to our heirs? Many people understand
that they need a “Will” to transfer their property to someone
else after they die. They do -- but that’s not the whole story.
Property can actually be transferred in several ways: by contact, by operation
of law, and by a will or trust. You should understand into which categories
your various assets fall, so you can be sure that your wishes will be carried
out. If you have a substantial investment portfolio or other assets, a trust may be well-suited to your needs. Trusts are commonly used as part of an overall strategy to manage financial assets for you and your heirs -- now and within an estate. Mutual funds and variable annuities
are distributed only when accompanied by or preceded by a product prospectus.
The prospectus contains complete information on all fees and charges and
should be read carefully before investing. Securities are subject to
investment risk and values will fluctuate. Securities and Investment Advisory Services offered through
representatives of Tower Square Securities, Inc., a securities broker/dealer (member FINRA
/ SIPC ) and a Registered Investment Advisor. Duncan Financial Group is a separate entity from Tower Square
Securities, Inc. David Duncan, Robert McCalmont, Craig Baum, John Douglass Smith, Robert Bardsley and
Joseph Lundie are
investment advisory representatives and registered representatives of Tower
Square Securities, Inc. They are collectively registered in AZ, CA, CO, CT, DC, DE, FL, GA,
IA, IL, IN, KS, KY, LA, MA, MD ME, MI, MO, NC, NH, NJ, NY, OH, OK, PA, RI, SC, TX, VA, WI, and
WV for the sale of securities products and are licensed to sell life insurance products in AZ, DE, FL, IN,
KS, KY, MA, MD, MI, MO, NC, NJ, NY, OH, PA, TX, VA, WV, and WY. 7562 Route 30 North (724) 863-3287 L0209019053[EXP0310] |
