A new year is upon us and now is the best time to get in there and be active in planning your life—after work. Are you getting the whole story? Do you know the details of your retirement? Chances are, you don’t.

Deeper conversations with your Financial Advisor (FA) could be the difference between life after retirement and work after retirement. So what types of conversations should you be having? First, does he/she have you set up so that you gain the ability to generate income after retirement? Do you, the client, know when is the best time to claim Social Security benefits? Has your FA educated you on how to minimize taxes or how to withdraw from an IRA without getting hit with big fees. Do you know how often you will or should meet with your FA and what you’ll talk about when you do?

This week on the David Lukas show, David wants to know what you know about your retirement. He’s interested in talking about what your Financial Advisor knows about you and your goals in retirement. Because, with all of these important questions surrounding your investments, it’s so important to have an advisor that takes the time to understand your “personal” goals. David talks in depth about the importance of working with a Fiduciary to get the results you want.

Five things you should expect to happen when meeting with your FA:

• A discussion about the risk involved in all investment through various market cycles.
• An education in your investments, in simple easy to understand terms.
• A review of your retirements current status and explanation therein.
• That your retirement plan should be a comprehensive game plan. Not just a list of holdings
• An expectation of how often you will be meeting to review your situation.

To hear all of the important things said in this episode, listen today!

Get the 2017 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

Interested in the WorryFree® Retirement? Get started in just five simple steps…

1. Clarify your vision

Before beginning any journey, it’s best to know where you are going and what to expect along the way. Our first step of the process is unique because it’s all about you and “your” vision of retirement.
Together, we will clarify where you want to go. We’ll help identify your personal strengths and opportunities and consider potential dangers and threats to your financial journey. A personalized written outline summarizing your unique vision will be mailed to you for review at no cost or obligation.

2. Assess your situation

A trusted doctor would never give a medical diagnosis without first looking you over. Neither will we! That’s the reason the second step was created: “The Assessment.”
At this meeting we will review your personal financial information. We’ll help organize your finances so that potential issues or concerns can be addressed and corrected. A brief written assessment of any findings and recommendations will be provided to you at no cost.

3. Commit your retirement

The WorryFree Retirement® is based on commitment and trust. In order to work together, we must confirm our commitment to the process.
We will never pressure you to buy anything from us, nor will we ever suggest you move forward with our recommendations unless you completely understand them.

4. Implement your Gameplan

Reaching any goal requires action. With implementation of your personal Gameplan, you will have a safe, easy to follow path format reaching your retirement goals.
This written Gameplan will be self-contained in a highly organized binder that clearly communicates your hopes and dreams.

5. Monitor your progress

There’s only one guarantee in life: Nothin’ stays the same! Because change is inevitable, we provide one-on-one consultation with you at no cost, whenever you need it. When you’ve got a question, we’ll be here for you.

That’s what trust and commitment are all about.

The WorryFree Retirement® Process anticipates change and values the idea of monitoring your progress along the way. Our time together also gives us a chance to explore new ideas and possibilities as well.

Ready to get started with The WorryFree Retirement process? Schedule a no cost consultation with David by following the link or calling: (501) 218-8880.

The 3 Personalities of Money®:
Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

If you knew that there were certain safe holds to secure your financial future and ensure that you could retire with less stress, would you take them? Would you choose a worry-full future or The WorryFree Retirement®?

This week on the David Lukas Show, our host talks about what risks may be involved with your “basic” 401k retirement plan. Because there’s nothing worse than hoping for the best and receiving the worst. One area that can have a significant impact is to be proactive in planning your retirement by ensuring you aren’t taking unnecessary risk, especially if you are invested outside of your risk tolerance . Throughout the hour David mentions and expands upon other risk including:

• The risk of not saving enough
• The risk of skyrocketing health care prices
• The risk of not being diversified in your investments
• The risk of continued low interest rates
• Unnecessary Fees that cripple your savings
• The risk of having no plan for retirement
• The risk of future tax increases.
• How an annuity might be good for you

So what comes of blind 401k planning? A Hope and Prayer Portfolio. What the heck is that, you ask? Well, a H&P Portfolio is an investment portfolio filled with both high fees and high risk investments. Ergo, the holder places all hope that his/her investments are in their best interest and he/she is praying that their portfolio performs well. Reality Check: more times than not, this strategy doesn’t pay off for the investors—it is common for people to take way more risk than they want.

Want to know what David has to say about all of this? Listen to the entire show today.

Free Annuity Decision Guide:

Is an annuity right for you? Get the Annuity Decision Guide for Savers today by clicking here! Learn about the 4 types of annuities, the pros and cons of owning an annuity. Learn if an annuity is right for you.

Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR.

The 3 Personalities of Money®:

Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

Is following the herd what’s best for you? Do you wake up at night worrying about the hits your 401k may be taking with the Market?

This week on the David Lukas Show, our host asks his listeners, “what is your 401k doing for you?” Because when it comes to retirement, most Americans have done little more than the basics. In fact, millions have contributed, monthly, to their 401k, (or as David affectionately calls a tax-postponement plan.)

Throughout the hour, David talks about what’s waiting for you when you’re ready or need to collect on your 401k and explains all the different actions needed to minimize taxes and avoid fees and penalties. David talks about how tax-diversification can be the key to retiring WorryFree®.

Just as someone shouldn’t put all of their hopes into one dream, a retiree shouldn’t put all of his or her money into one product. Penalties, fees, RMDs (required minimum distributions) and the possibility of having to pay within a higher tax bracket are just a few of the MANY reasons why every retiree and future retiree needs a solid game plan for their retirement.

So if 401k’s aren’t the best option for you in retirement, then what are your options? Here a just a few discussed in today’s show:

• Roth IRA
• An annuity
• Other tax-advantaged alternative assets classes that are often overlooked.

To hear all of David’s helpful advice listen to the entire episode today!

The 3 Personalities of Money®:

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

Free Annuity Decision Guide:

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

Want to know more about how David Lukas Financial can help you put a safe and secure game plan together that you can count on? —call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there’s never a fee or obligation to meet with David.