Saving for retirement alone, just isn’t enough anymore. In today’s financial environment one must have a secure distinct plan to retire successfully. Because it isn’t what is happening, currently, but what happens in a down market that can have a profound effect over your savings for the next decade.

This week on the David Lukas Show, David talks in depth about the common habits that prudent savers and successful retirees share in planning for retirement. These eight habits of successful retirees are:

1. Comprising a thoughtful and comprehensive game plan
2. Understanding of “risk tolerance” and knows exactly how much risk they are and are willing to take.
3. They have a plan in place that optimizes their social security benefits
4. They know how much they are paying in fees on their investments and how their advisors make their commissions
5. They are proactive in preparing for taxes (current and future) and and saving on taxes where and when they can
6. They have a diversified plan to generate income after retirement
7. They have a plan to protect them from both rising healthcare costs and the crippling expense of long-term care costs
8. They don’t have unrealistic expectations and live well within their means

To hear all of the valuable information that David Lukas has to give, listen to the entire show today.

If any one of these critical issues apply to you and your retirement, you are not alone. David Lukas Financial specializes in strategies designed to help you prepare for the unknown. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.

David Lukas Financial is now accepting reservations for the August and September Maximizing Your Social Security Course:

You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for August and September’s classes.

August classes are as follows...
Tuesday,  August 22nd
Wednesday, August 23rd
Thursday, August 24th

CLICK HERE TO REGISTER TODAY!

The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability.

Currently, fifty two million Americans have 4.4 trillion dollars socked away in their 401(k) savings accounts. Right now, in our current up market, everyone’s probably pretty happy with their performance. But what would happen to your 401(k), specifically, if the market took a turn for the worst? Do you know how much of your money is at risk? Are you willing to lose up to half of it? Did you know that ignoring your 401(k) could cost you a fortune?

This week on the David Lukas Show, David tackles the subject of security in your 401(k) retirement, or as he affectionately calls it your government sanctioned tax postponement plan, and what you can do to be proactively protective of your assets. Throughout the hour, David talks about the seven things that you can do to reboot your 401(k) and keep things on track.

Specific items touched upon in today’s show:

1. Figure out and know what your comfort level is with the investments you hold

2. Putting in too little? See if your employer has a true up provision program for your 401k program (The feature, called a true up, allows employees to receive employer matches that they would have otherwise missed out on because of 401(k) front-loading or because they spread their 401(k) contributions out unevenly throughout the year-explanation via Google)

3. Putting in too much? If your employer is unable to match your contributions, you may be missing out on funds that should be coming to you but won’t.

4. Check the plan documents and know  what the plan rules are and think of them as the rulebook for your 401(k)

5. Fine Tuning your contribution levels

6. Research other, savings options for your retirement such as a Roth IRA or a specially designed life insurance contract...

7. Know what requirements, penalties, and fees are applicable on RMDs (required minimum distributions)

To hear all of the highly informative information David has for you about rebooting your retirement, listen to the entire episode today.

If any one of these critical issues apply to you and your 401(k) you are not alone. David Lukas Financial specializes in strategies designed to help you prepare for retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.

David Lukas Financial is now accepting reservations for the July Maximizing Your Social Security Course:

You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for July’s last available class.

Class in July is as follows:

Thursday July the 27th at 6:30pm, located at the Hampton Inn: 11920 Maumelle BLVD

CLICK HERE TO REGISTER TODAY!

The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability.

Are you being punished or financially penalized for being a Saver and planning responsibly for your future? Are you currently paying more in taxes than others that you know who haven’t planned at all? If you answered yes to either of these questions, you are not alone.

This week on the David Lukas Show, our host David addresses how those of you who have saved diligently and sacrificed much throughout the years of your careers are now being penalized in retirement.

Throughout the hour, David discusses how Savers can protect themselves and their hard earned retirement funds with different types of products that are designed to help you hold on to as much of your income as possible. Here are some of the products mentioned and elaborated on in today’s show:

• Roth options
• Municipal bonds
• A specially designed permanent life insurance contract

To hear all of the valuable information from David Lukas of David Lukas Financial has to offer, listen to the entire show today!

To find one or any of the highly informative books mentioned in today’s show check out the Recommended Books Page right now.  

David Lukas Financial is now accepting reservations for July’s  MAXIMIZING YOUR SOCIAL SECURITY COURSE. This course was designed for those looking for options in when and how to take their Social Security.

Social Security is one of the most valuable and least understood benefits available to retirees today. Advanced planning is essential, and the decisions made have a tremendous impact on the total amount of benefits you receive over your lifetime.

This course will provide you with much needed information to help you understand the system, coordinate spousal and survivor benefits, minimize taxes, and maximize your personal benefits. Attendees will receive a workbook.

You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for upcoming classes.

Classes in July are as follows:

Tuesday July the 25th at 6:30pm

Wednesday July the 26th at 6:30pm

Thursday July the 27th at 6:30pm

Attention Arkansas listeners age 60 and up!

Request your FREE 2017 Guide to Social Security (45th edition) by calling (501) 218-8880 today! Or by going to DavidLukasFinancial.com

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio?—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.