Planting a garden is like planting and growing your retirement garden. For example, when you start a garden, the first step is to have a foundation - and the foundation of a garden is the soil, right? Then, you have the seeds. Think of the seeds for the garden like the different options for income planning. You may want to plant roses, tulips and then some sunflowers. While planning for your retirement and income for life, you may want a life insurance options, an annuity or an IRA. You see where I'm going with this?  Listen to todays episode and how John explains how planting a garden is like planting, building and planning your income for life.  When you take the time to schedule a meeting with John, he will review your current portfolio, evaluate what is missing and access what he can add to make your plan the best it can possibly be - regardless if you are already IN retirement or if you are approaching that finish line. It all begins with a conversation - Call John today for a complimentary Portfolio Review!   

Usually, we talk about all the things we should be doing to prepare for retirement.  But today, we’re going to talk about some things you should not be doing.  The Go-Banking-Rates website came up with a list of common retirement planning mistakes.  John goes down the list - listen now!  Call John today and setup a time for a Complimentary Consultation!  Having No Retirement Plan Not Knowing How Much You Need to Retire Not Taking Your Employer’s 401(k) Match Having Incorrect Beneficiary Designations Paying High Retirement Account Fees Relying Only on Social Security Benefits Cashing Out Your 401(k)s Between Jobs Believing You’ll Never Retire Not Using a Retirement Account That Offers Tax Benefits Investing Too Conservatively, or Too Aggressively Not Planning for Medical Expenses Not Calculating How Long Your Retirement Will Be Forgetting About Inflation During Retirement

The election is over, which means you need to start makign changes NOW to prepare for a different 2021. Bryan and Briley talk about creating different streams of income and what you need to be checking off your financial check list.  Located right here in Clinton, setup a complimentary Portfolio Review and End of Year Planning Session TODAY!  CLICK HERE! 

John welcomes his wife Lori to the show this week as we count down to end of 2020! The Merkel's talk about how often they talk about finances, Lori talks about having different financial concerns as woman and John talks about working with couples. Finally, what end-of-year planning do you need to be doing NOW?   

How much guaranteed income do you have? Have you taken some of the key risks off the table?    Then, will you outlive your money? What is the #1 risk to your money? Find out as John talks about the "aha" moment he see's clients have on a daily basis when it comes to breaking through that wall of planning a successful retirement with GUARANTEED INCOME FOR LIFE!  It all begins with a conversation - Call John today for a complimentary Portfolio Review!       

We all have different ideas about what a “dream” retirement might look like.  John shares stories of bucket list items his clients have had and how he helped them achieve those goals.  Then, yes its important to make sure that lifetime income is there each month, your lifestyle is taken care of and you have that fun money for your bucket list. But, what about the cost of healthcare? Inflation? Taxes? Medicare? These are a few of the puzzle pieces that make up the masterpiece of your retirement. The big question many of us have is, "How do I know if I have enough money for all these puzzle pieces? Healthcare is so expensive now, what will it be 20-30 years from now? How will I be able to afford it?" Good news! John has the answers! When you take the time to schedule a meeting with John, he will review your current portfolio, evaluate what is missing and access what he can add to make your plan the best it can possibly be - regardless if you are already IN retirement or if you are approaching that finish line. It all begins with a conversation - Call John today for a complimentary Portfolio Review! 

How will the outcome of the 2020 election impact you and your money?  Do you think financial planning is a DIY situation?  What's a Roth IRA and why should you consider one before the end of 2020?  If you want to meet with John today to put together YOUR Customized Financial Plan - CLICK HERE! 

When you’re trying to figure how much money you’ll need for retirement, the first question is – how many years do you think you’ll need to pay for?  Unfortunately, we can only guess at that number.  And Morningstar’s David Blanchett says most of us are not very good guesser! Hear how John helps you design a financial plan and how risk could stall the process of retirement! If you want to meet with John today to put together YOUR Customized Financial Plan - CLICK HERE!   

On this episode, we have a very special guest! Meet Lindee Rose, John's daughter! The inspiration behind the name, Rose Retirement came from John’s daughter, Lindee Rose. We have some fun with Lindee on todays show and John talks how 2020 is "the year of the canceled" because of COVID BUT, you CAN'T cancel your retirement!  Did you know that roughly 68 million Americans are changing their retirement plans because of COVID-19?  According to a new Edward Jones and Age Wave study , 29% of Americans say they'll retire later than initially planned, citing a need for more income as a main driver.  On the other hand, 10% of people now say they'll retire earlier. The question is: Should you change your retirement plans in light of the pandemic? John explains how he can help you retire early because you want to, because you were forced to or just because it's THAT TIME!   Call John today for a complimentary Portfolio Review! 

When you leave a job, Kiplinger says there are four options for what you can do with your 401(k).  Can we talk about those options – and get you to tell us some of the pros and cons of each?  Hear how John can help YOU improve your income and retirement. Call John today at 903-690-7131 to setup a complimentary consultation, over the phone, via ZOOM or even in person!