“You finance everything in life you buy. You either pay interest, or you give up the ability to earn interest on that money you would have earned had you not given it to someone else.”   —David Lukas

Do you have a plan in place to insure that your income will last as long as you live? Insider tip: The only place you can get that type of guarantee is with an insurance company through an annuity. Lord knows, retirement planning would be a lot easier if we all knew how long we were going to live. Unfortunately, we don’t have that type information given to us. Our fate is out of our hands– our financial futures don’t have to be. On this week’s installment of the David Lukas Show, David talks about the differences between life insurance and annuities and why, in an ideal world, Savers would have both of the product in their retirement plans. Throughout the hour, David talks about the benefits of safeguarding your hard earned retirement funds with products like life insurance and annuities. As he explains what annuities actually are and how they work, David also discusses how every financial decision we make comes with an internal cost an external cost and finally an eternal cost. David also explains how important it is that Savers know what could potentially be costing them a WorryFree Retirement®. Also mentioned are the four financial institutions that determine what your costs are:

1. The government
2. Wall Street
3. Banks
4. Insurance companies

Listen to the entire show today to hear all of what David, Little Rock’s own has to say on these and other important topics that effect Savers and their retirement.

Q&A With DL Show Listeners:

"I have an ESOP at work. I was wondering what age I can get to it, and can you send me any information on ESOPs in general?"   —Harvey, from Sherwood Arkansas.

Do you have 401k, 401b, tax, investment, or questions about the WorryFree Retirement® ? We have answers. Get all of your financial questions answered by calling David Lukas Financial, at (501) 218-8880, and setting an appointment with David right now.

Scripture(s) discussed in today’s show: Matthew 11:28 Ecclesiastes Solomon Subject: Costs...in life and eternity.

• Internal cost — the internal workings, we have to work hard internally and while we're young and fit to do that, we're supposed to work hard and save.
• External cost — God has has called us to work and save just as he has called at some point in our life for us to enjoy the fruits of our labor.
• Eternal costs — the eternal blessing. God wants us to look back one day when we can't work so hard, when the kids are grown, or when the nursing homes are knocking at our doors and look back and realize that this stage is all about rest.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Get the Annuity Decision Guide for Savers today by clicking here!

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

Have you ever Googled the word annuity? If you haven’t, maybe you should. Much to the financial industry’s dismay, annuities have become popular products that help Savers use, enjoy and protect their hard earned money.

This week, on the David Lukas Show, David focuses on annuities and why/how they have recently become the sweethearts of the insurance business.

David first chats about something that happened back in 2014—an estimated 50 billion dollars moved from managed accounts into products called hybrid annuities (fixed indexed annuities). Yes folks. That’s 50. Billion. Dollars.

So why did all that money move from Wall Street to insured contractual agreements? Security. That’s when many “investors” finally realized that they were actually Savers more interested in the return of their money other than the rate of return on their money.

In the second half of the show, David names and explains what the four types of annuities are:

• Fixed
• Variable
• Immediate
• Fixed-Index (Hybrid)

...and how each one differs from the other.

Listeners’ questions addressed during the show:

Hi David. I have an annuity currently making 3% interest. Can I get a better rate somewhere else?   —Ricky in Little Rock, AR.

What is an indexed annuity, and is it better than a fixed rate annuity? What if interest rates go up, what about bond rates?   —Charles in Austin AR.

To hear the valuable advice David has to give Ricky and Charles, listen to the entire episode today.

Bible verse(s) featured in today’s show: Matthew 13:22, Ephesians 2:4, Ephesians 3:16, Ephesians 14:18-22

Focus: Riches in this world and there after.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Get the Annuity Decision Guide for Savers today. Just click here!

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

Caveat Emptor is an old Latin warning that notifies a buyer that the goods he or she is buying are “as is,” or subject to any, or all, defects. Armed with this knowledge, how are we as Savers to know what types of goods (financial products) are good for our portfolios and which types of goods could be devastating?

On todays episode of the DL Show, our host David Lukas talks about how important it is that both current and future retirees know and understand on the “rules of the game”—the retirement game, that is.

Topics discussed in this week’s’ episode:

• Don’t focus on a product, focus on the process
• Knowing where different products fit into a well rounded retirement plan
• Understanding Annuity surrender fees and contractual half-truths
• Unilateral contracts (definition and explanation) and the benefits therein

Q&A with DL Show listeners:

I’m thinking of leaving my job and have a 401k. What are the penalties for just taking the money, and if there are any kind of hardship provision to do so?

— Karen, from Cabot AR.

In response, David explains how age, taxes, and penalties can all come into play when considering a draw from a current 401k.

I’m 62 and already retired. I’d like to know how I can use the IRA to invest in another property to live in without the government taking taxes?

— Danny, from Little Rock, AR.

In response to Danny’s question, David talks about how putting realestate into an IRA isn’t always the best option when it comes to specific property types and tax advantages.

Do you have 401k, 401b, tax, or questions about the WorryFree Retirement® ? We have answers. Get all of your financial questions answered by calling David Lukas Financial, at (501) 218-8880, and setting an appointment with David right now.

Scripture Discussed in today’s show:

Understanding the unilateral offer from God…

4There is one body and one Spirit, just as you were called to one hope when you were called; 5 one Lord, one faith, one baptism; 6 one God and Father of all, who is over all and through all and in all.

Want to know exactly how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

What fee’s are you paying? Download our FREE Fee Disclosure Kit and submit it to your financial advisor/retirement planner to find out!

Seems lately Wall Street’s spending a lot of time trying to get investors into a condition of fear. If you’re a Saver that’s been fooled into thinking you’re an investor–things have been scary lately.

On this episode of the David Lukas Show, David points out the differences between Savers and Investors and the types of products that cater specifically to people who are concerned about the return of their money. Not just the rate.

During the first half, David explains how conditional specialized insurance plans can provide the security needed in today’s volatile market.

Hot topics touch on today’s episode:

• OPI-other people’s money
• Concept of capital at work
• Sleep Insurance®

David then addresses a valued listener’s question about annuities.

I’ve got an annuity with you. Does that mean they won’t get anything when I pass? _______ says they won't.

 

 

—Chuck from Little Rock, AR.

To hear what advice David Lukas—Little Rock’s own retirement specialist— has to give Chuck, listen to the entire episode today.

From the halfway point to wrap up, David elaborates on how David Lukas Financial is a savvy choice for fee conscious Savers looking for a WorryFree Retirement®.

To hear all of the valuable information David has to offer listen to the entire episode today.

Bible verse(s) featured in today’s show: Galatians, Chapter 5. Verses discussed: verse 1, verse 18, verse 22 Focus: flesh and spirit

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Curious to know what The Annuity Decision Guide for Savers is all about? Click here!