The David Lukas Show

Hear David Interview David McKnight about his new documentary The Power Of Zero Movie.

 

The Power of Zero: The Tax Train Is Coming is a 75 minute documentary by Director Doug Orchard that takes an in-depth look at how the U.S. National Debt is setting the stage for massive tax increases within the next 10 years and how they’ll impact a retiring generation of Baby Boomers. With an all-star cast of US academic economists, fiscally concerned politicians, and the nation’s top financial advisors, this is the first major film to explore our nation’s looming debt crisis and the proactive measures Baby Boomers can take to protect their retirement plans from the crush of higher taxes.

Direct download: 10-06-2018_McKight_Show.mp3
Category:general -- posted at: 3:00pm CDT

It’s what you don’t know that could cost you a fortune in Social Security (SS) benefits. If you’re not careful, your retirement might be a fraction of what it could be and there’s nothing you can do about it. Currently, there are thousands of rules, and even more on the way, so being proactive in your planning couldn’t be important enough. Essentially, if you play your cards right, you can not only have tax-free income but you can also owe ZERO TAXES on what you collect.

 

This week on the David Lukas Show, our host David Lukas talks pulls back the proverbial curtain about how important it is to plan appropriately for collecting your Social Security benefits. Throughout the hour, David discusses how important it is for ALL RETIREES to know how, what, and when crucial decisions, concerning the safety of your retirement, need to be made.  

 

David’s five things you must know about before claiming social security:

 

  1. A counter intuitive strategy for Savers that could yield thousands more in benefits
  2. How you can avoid being taxed up to 85% on your Social Security benefits
  3. How to prevent the Doubling of your Medicare premiums
  4. How important spousal benefits are/can be
  5. When and how you should collect

 

To hear why all of the five points mentioned above are so important, listen to the entire show today!

Forbes Article: “Social Security benefits are taxed based on your modified adjusted gross income…”  CLICK HERE to read.

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Want to know about The DLF Retirement Advantage™ Process?  CLICK HERE!

David Lukas Financial is planning its next  Maximizing Your Social Security Course. You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability for upcoming October classes.

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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)

 

Direct download: 09-22-2018_KARN_SHOW.mp3
Category:general -- posted at: 4:00pm CDT

The last bull market ended with a devastating crash in what is now called The Great Recession and Americans lost 10.2 trillion dollars in wealth. The current bull market seems to be unstoppable. Be assured, it will. When it does, how will your retirement funds fare? Will you be protected?  

 

Nobody knows when the market’s going to reverse course. But if you’re retired or any where close to retiring, it’s critical to protect yourself before it’s too late.

 

This week on the David Lukas Show, our host David Lukas of David Lukas Financial talks about what the longest bull market means, in connection to you and your retirement, and how you can protect yourself in “smart money.”  Throughout the hour, David discusses specific strategies that can help you insulate your principal and income in retirement through the next, inevitable, bear market.

 

To hear all of the important information discussed on today’s show, listen to the entire episode NOW!

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*Recommended reading: The Creature From Jekyll Island, Listen to David Interview G. Edward Griffin, author of The Creature From Jekyll Island NOW!

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Want to know about The DLF Retirement Advantage™ Process?  CLICK HERE!

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David Lukas Financial is planning its next  Maximizing Your Social Security Course. You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability for upcoming October classes.

 

 

 

 

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)

 

Direct download: 09-15-2018_KARN_SHOW.mp3
Category:general -- posted at: 12:00pm CDT

In recent news, the Wall Street Marketwatch and Investment News reported that  “Medicare’s trust fund will be exhausted in 2026...Social Security taps into trust fund for the first time in thirty  years…

and that Stock Market returns over the next decade will be well below historical norms.”

With all these negative projections, it’s hard to know what is real and what is speculation.

Unfortunately, math doesn’t lie. According to the program’s trustees, “the adverse costs of the changes happening within Medicare and hospital insurance fund spending are anticipated to be greater than last year.”

Higher costs for them mean less coverage and rising costs for you. Are you financially prepared for that?

This week on the David Lukas Show, our host David Lukas, of David Lukas Financial, talks about the uncertainties associated with the future of Medicare and Social Security.

Throughout the hour, David explains how both current and soon-to-be retirees can no longer rely on just one source of income in retirement.

 

Important topics discussed in today’s show:

  • Why the three most important words in retirement are income, income, income
  • How to navigate the critical challenges ahead with Medicare and Social Security
  • Your options to generate income after retirement

To hear all of the excellent information provided in today’s show, listen to the entire episode today!

*Marketwatch article quoted:  Medicare Finances Downgraded In New Report

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Want to know about The DLF Retirement Advantage™ Process?  CLICK HERE!

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David Lukas Financial is planning its next  Maximizing Your Social Security Course. You can call get on the waiting list at DavidLukasFinancial.com

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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)

 

Direct download: 09-08-2018_KARN_SHOW.mp3
Category:general -- posted at: 11:30am CDT

Forty percent of Americans are at risk of going BROKE in retirement. Why is that? The biggest culprit will be their failure in turning their retirement and savings funds into guaranteed income earning workhorses for their golden years.

Consequently, where so many retirees have diligently prepared for retirement, so few have an actual gameplan to see them safely through. No doubt, they’ve worked hard, saved and sacrificed as much as any to leave their nine-to-five (or, for most, eight-to-six) for something much, much better. But ultimately, in the end, what most need to be worried about is whether they’ll be able stay work free indefinitely or whether they’ll have to go back because funds are running out.

This week on the David Lukas Show, David Lukas, of David Lukas Financial, talks about how important it is to plan for your retirement and the future it has the potential to provide. Throughout the hour David runs through all the options you—as a retiree or future retiree—have to resign from the working world responsibly and worry free.

 

What you’ll learn in today’s show:  

  • Why is an income gameplan so important…
  • What is going to be taxed and how important it is to know what you will pay
  • How successful retirees are winning the income game and laughing all the way to the bank
  • Ways to generate income after retirement
  • Why you may live longer than you think & how you’ll be able to pay for
  • The one way to avoid getting short-changed by your Social Security benefits…

Want to hear more on how NOT GO BROKE in retirement? Listen to the entire episode today!

 

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Want to know about The DLF Retirement Advantage™ Process?  CLICK HERE!

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David Lukas Financial is planning its next  Maximizing Your Social Security Course. You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability for upcoming October classes.

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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)

Direct download: 09-01-2018_KARN_SHOW.mp3
Category:general -- posted at: 2:00pm CDT

Are you considering retirement within the next five years? If so, you already know that the clock is ticking. Hopefully, you’re on the right track and planning as you should. Unfortunately, what so many soon-to-be retirees aren’t planning is all the careful calculating and financial preparation it takes to retire strategically.

This week on the David Lukas Show, our host David of David Lukas Financial talks about how too many people are risking more than they should or are comfortable with. Throughout the hour explains how following the five critical steps, listed below, can help safeguard your hard earned retirement funds and future happiness.  

 

David’s Five Critical Steps everyone should be taking before retiring:

  1. Know the tax efficient strategies that could help you save thousands of dollars in retirement
  2. How to claim your Social Security and avoid catastrophe
  3. Implement the successful strategies to generate income, after retirement, while minimizing your financial risk
  4. Take your RMDs (Required Minimum Distributions) as you should
  5. Don’t leave any benefits owed to you by Social Security behind

Interested in hearing David discuss all the important information above? Listen to the entire show today!

Want to know about The DLF Retirement Advantage™ Process?  CLICK HERE!

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David Lukas Financial is planning its next  Maximizing Your Social Security Course. You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability for upcoming October classes.

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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)

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—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.

Direct download: 08-25-2018_Show_for_KARN.mp3
Category:general -- posted at: 12:00pm CDT

Did you know that the total out of pocket spending for the average Sixty Five year old couple for healthcare in retirement could now surpass $400,000 when you factor in both Medicare and supplemental insurance premiums, copays, and deductibles? Sounds crazy, right? What’s even crazier is that’s just the “average couple.”  Unfortunately, that amount doesn’t account for any particular health issues that may already exist or, for that matter, any issues that may occur in the future. Simply saving for healthcare is a great start but it’s what you do with that money that really makes a difference.

 

This week on the David Lukas Show our host David Lukas, of David Lukas Financial, talks about how expensive healthcare can be in retirement. Throughout the hour, David discusses how a buttoned up financial gameplan is the key to absorbing the sticker shock of the ever rising cost of healthcare expenses.

 

Top items explained in today’s show:

  1. What you can expect to pay for healthcare in retirement
  2. Why you should be concerned about Long Term Care
  3. How you can avoid getting gouged by Medicare premiums
  4. How longevity—if you’re experiencing prolonged health issues—can make matters even worse  

 

To hear all the excellent information from David gives regarding healthcare after retirement, listen to the entire episode today.

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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 coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas)

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes, fees, and medical expenses? Call David Lukas Financial, (501) 218-8880, today to learn more about The DLF Retirement Advantage™ Process.

 

David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Direct download: 08-18-2018_KARN_Show.mp3
Category:general -- posted at: 4:00pm CDT

Baby Boomers are said to inherit 11.6 trillion dollars from the world's greatest generation. That being said,  it’s also been reported that one in three people who receive an inheritance will go broke in two years or less. What many of these hopeful inheritors aren’t anticipating is how much of a game changer an unexpected windfall of cash can be, when it comes to both planning and funding their retirement. In fact, most inheritors don’t understand that when they do receive a substantial inheritance, that’s when the hard work begins. In other words, planning what to do with that money becomes more important than ever.

 

This week on the David Lukas Show, David covers the uncomfortable topic of inheritance and how one specific generation (that’s you Baby Boomers)  may be teeing up for great loss after such a substantial gain. Throughout the hour, David explains what you should and, even more specifically, what you shouldn't do when you suddenly come into some money.

 

Specific topics discussed in today’s show:

-The first two critical things you should do upon receiving an inheritance

-The secret to managing pre-tax retirement accounts vs. other savings and investments

-The one tax you should never have to pay on an inheritance

-Lastly, how you could avoid other trap doors that could cause you to lose it all

 

To hear all the excellent information from David Lukas of David Lukas Financial has regarding what to do when you receive an inheritance, listen to the entire episode today.

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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 coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas)

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial,

(501) 218-8880, today to learn more about The DLF Retirement Advantage™ Process,  David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Direct download: 08-11-2018__KARN__SHOW.mp3
Category:general -- posted at: 12:00pm CDT

Too many unknowing Americans are putting too much of their retirement hopes, dreams, and funds right into the government’s clutches. One simple misstep could cost them thousands. The key is to plan well in advance before withdrawing. According to Forbes, “some taxpayers over seventy-and-a-half can find themselves subject to a fifty five percent marginal income tax rate due to  a combination of RMD income, social security benefits, and capital gains.”

 

This week, on the David Lukas Show, David discusses just how important it is to know exactly what your 401k(s) will and won’t be doing for you once you retire.

Throughout the hour, David elaborates upon the specific entities that we, as potential retirees, can rely on. This includes entities such as: navigating withdrawals, estate planning, RMDs, predicting Wall Street, and what you can expect from CPAs and financial advisors.  

 

Main points touched on in today’s show:

The five most common ways you can crater your 401k

  1. Implement intelligent strategies that can help you pay fewer taxes on your 401k
  2. Know the critical role RMDs (Required Minimum Distributions) play in retirement
  3. Put a stop to hidden fees and expenses
  4. Learn why your 401k and other retirement accounts need to be treated differently in your estate plan
  5. By diversifying the ways you pay taxes on retirement funds

 

*This installment of the David Lukas Show is filled with great information and tips on how you too can pay less taxes in retirement, entire episode here online today! You won’t be sorry that you did!

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Want to know about The DLF Retirement Advantage™ Process?  CLICK HERE!

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David Lukas Financial is planning its next  Maximizing Your Social Security Course. You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability for upcoming October classes.

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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)

Direct download: 08-4-2018_KARN_Show.mp3
Category:general -- posted at: 12:00pm CDT

If you were instantly financially responsible for your aging spouse’s or parent‘s healthcare, would you be prepared to do so? The cost of Long-Term Care (LTC) is rising fast and so are the premiums. In some unfortunate cases, LTC premium prices have doubled in the last two years prompting some policy holders to make difficult decisions when it comes to out of pocket payouts for coverage. Recent statistics state that “a private room in a nursing home now costs consumers more than $8,000 a month. That’s an increase of 5.5% from just a year ago.” A recent Investment News article states that there are three letters that spark fear into all retirees, LTC. And, according to Forbes.com, “Nearly 70% of all people that live to the age of 65 will need some type of Long-Term Care.”



This week on the David Lukas Show David takes on the uncomfortable subject of elderly spouses and parents who currently require or may need some type of Long-Term healthcare. Throughout the hour David talks about how, if not financially prepared, life longevity can create a negative snowball affect not only on your retirement but also to the legacy you may be planning to leave behind.



Talking points discussed in today’s show:

-long-term care IS NOT covered by Medicare

-longevity planning plays a critical role for your retirement

-What to do when an elderly spouse or parent suffers from cognitive decline

-What happens when there’s an alzheimer's diagnosis

-What are some possible warning signs of elder abuse and fraud

 

Also mentioned:

Forbes Articles discussed on the show:

 

#1 Relying Only On A Will

#2 Expecting Too Much From A Power Of Attorney

#3 Not Avoiding Probate

#4 Not Making Full Use Of A Living Trust

#5 Leaving Assets Outright To Adult Children

#6 Losing The Portability Of A Spouse's Unused Exemption

#7 Leaving A Messy Estate

 

To hear all the excellent information from David Lukas of David Lukas Financial has regarding caring for your aging spouse or parent , listen to the entire episode today.

 

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COMING SOON! FINANCIAL ADVANTAGE UNIVERSITY:

 

Medicare Training Courses, via David Lukas Financial, led by our healthcare benefits specialist coming September 20th and the 21st.  (*Dates may be subject to change) CALL (501) 218-8880 today to learn more.

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To hear all the excellent information from David Lukas of David Lukas Financial has regarding your retirement, listen to the entire episode today. 

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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 coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas)

 

Want to know more —call David Lukas Financial,

(501) 218-8880, today to learn more about The DLF Retirement Advantage™ Process,  David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Direct download: 07-21-2018_SHOW_KARN.mp3
Category:general -- posted at: 12:00pm CDT

Everyday you’re being force-fed investment advice from all directions. Advice— good or bad—that if taken or not completely understood could derail your entire retirement. So when it comes to tips and advice on retirement planning how do you know what’s right and what’s wrong? How can you be certain that the plan you’ve put in place is what’s best for your financial future?

This week on the David Lukas Show, our host David Lukas talks about seven specific assumptions concerning your retirement and how, if taken for granted or misunderstood, they can not only cost you thousands when claiming your Social Security but can also cause you to overpay the IRS thousands.

 

Throughout the hour, David dispels some of the common assumptions and misunderstandings concerning retirement in today’s seemingly volatile market...like:

  1. Exspecting Medicare will cover all of your healthcare needs

  2. Believing the 4% rule is a good one and isn’t extremely risky

  3. Assuming you’ll pay less in taxes when you retire

  4. Thinking Exposure to stocks should be limited to just 32%

  5. Thinking you won’t live as long as you may so you don’t plan for healthcare

  6. Not considering the future costs of inflation

  7. Presuming that you’ll need less money in retirement

To hear all the excellent information from David Lukas of David Lukas Financial has regarding your retirement, listen to the entire episode 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 coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas)

 


 

Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial,

(501) 218-8880, today to learn more about The DLF Retirement Advantage™ Process,  David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

 

Direct download: 07-14-2018_KARN_SHOW.mp3
Category:general -- posted at: 12:00pm CDT

Ignoring the importance of tax diversification will turn your taxes into a timebomb—after retirement— if you don’t plan properly. Sadly, what many retirees don’t know is that there is a big difference between tax planning and tax preparation. Instead, americans do the same thing every year...after year...after year. They pay the maximum in taxes when they don’t have to.

This week on the David Lukas Show, David talks about David Walker (a former Comptroller General...basically the CPA of the Fed, head of the Government Accountability Office under Bush and Clinton) and his knowledge of our national debt. According to Walker,“We’ve (speaking of the fed) promised way more than we can deliver.”

Throughout the hour David discusses the many different ways you can save for retirement and how there are ways to LEGALLY safeguard your retirement when taxes do inevitably rise.

To hear all of David’s useful advice on how to effectively diversify your portfolio in preparation for taxes after retirement, listen to the entire show today!

 

David Lukas Financial’s recent blog post that’s mentioned in today’s show:

The Four Letter Word That Will Derail Your Retirement And How To Fix It

If any one of these tax issues  were placed before you, would you be prepared? David Lukas Financial specializes in strategies designed to help you prepare for uncertainty in 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.

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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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)

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, to Learn More About The DLF Retirement Advantage Process™. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.





Direct download: 07-07-2018_KARN_SHOW.mp3
Category:general -- posted at: 12:00pm CDT

When it comes to claiming your Social Security (SS) benefits, it’s important to know all the facts. There are many rules and details most soon to be retirees don't know until the wrong decisions have been made and it’s already too late. And because we get misinformation from unreliable resources it’s time to get the facts straight.

This week on the David Lukas Show, David talks about important and surprising things you may not know about claiming your Social Security benefits— after retirement. Throughout the hour, David discusses many of the preconceived ideas soon-to-be retirees/ retirees may currently have that can truly DAMAGE their overall retirement plan.

Important points touched upon in today’s show:

  • More than 10 billion dollars of SS benefits go unclaimed EVERY year
  • Up to 85% of your SS benefits can be subject to taxation
  • How important it is to stay below the taxable thresholds
  • If retirees plan right, they can avoid unnecessary taxation on SS benefits
  • How the govts calculations of provisional income defines how my you’ll owe in taxes
  • Why you run out of retirement money 5-7 years faster if your SS benefits get taxed to the max
  • What you can do if you’ve already started to claim your SS benefits and you want to make some changes
  • What spousal benefits are and how to plan claims appropriately
  • Important keys to boosting your SS benefits

To hear all the the important information David Lukas, of David Lukas Financial, discussed in today’s show, listen to the entire episode today.

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FORBES article about Social Security discussed in today’s show:

  1. How Social Security Misleads About Claiming Benefits

If any one of these Social Security issues  were placed before you, would you be prepared? David Lukas Financial specializes in strategies designed to help you prepare for uncertainty in 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.

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financialat 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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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)

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.
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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, to Learn More About The DLF Retirement Advantage Process™. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Direct download: 06-23-2018_PODCAST.mp3
Category:general -- posted at: 12:00pm CDT

The Market’s been up for a long time. Too long—many experts say— and we’re undoubtedly due for a major correction very soon. If that correction happened today and the current Bull Market entered into Bear Market, would your retirement funds be safe or at risk?

Today on the David Lukas Show, our host David,  of David Lukas Financial, talks about what could happens should we enter into a much predicted and historically overdue Bear Market. Throughout the hour, David discusses the devastating impact a correction could make on your nest egg and how, if you’re not careful, it could cause you to go broke.

 

Topics discussed on today’s show:

  • Sequence of Return Risk and what it means to your retirement
  • What a Bear Market is
  • What a market correction is and does to your stocks and investments
  • Why you need to rebalance your investments and how
  • How to maximize and utilize your Social Security Benefits now and at risky times
  • How to generate income after retirement
  • Other money saving strategies to help you enjoy a WorryFree Retirement®

To hear all of the excellent information David Lukas of David Lukas Financial has about eliminating risks on your retirement portfolio, listen to the entire show today.

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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 class.

Upcoming Classes Available:

  • Friday, July 13th, 2018 6:00 PM

 

MORE DATES COMING SOON!

HELD AT THE HAMPTON INN:

11920 MAUMELLE BLVD,

MAUMELLE, ARKANSAS 72113

CLICK HERE TO REGISTER TODAY!

 

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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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)

Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email 📧  davidlukas@davidlukasfinancial.com today.

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, to Learn More About The Retirement Advantage Process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Direct download: 04-28-2018_KARN_SHOW.mp3
Category:general -- posted at: 12:00pm CDT

For many, the company offered 401K or traditional IRA is what’s there and waiting for them after retirement. What these hopeful retirees aren’t expecting is the huge tax tumor buried within. With the tax rate destined to climb in the near future, there’s so much more at risk than you think. But what if you didn’t have to worry? What if you set yourself up with a WorryFree Retirement®.

On today’s show, our host David Lukas of David Lukas Financial talks about what you need to know about government qualified plans after retirement and what you need to do to protect your hard earned funds beforehand.  

 

Throughout the hour David talks about the five things you MUST KNOW about your IRA and 401k.

  1. Taxes. Taxes must be paid and the penalties that may occur if not done correctly could be enough to make you broke.
  2. RMDs. Required Minimum Distributions are necessary. Huge penalties can occur if you don’t prepare for them.
  3. Roth IRAs are tax free and better than a savings account, for many reasons. Rolling your 401k into a Roth may be a great option for you.
  4. Tax diversification is key. Know what you’re paying on what.
  5. With the new Trump Tax Plan, you could save HUGE amounts of money this year. Taking advantage of this plan is paramount.

 

To hear all of the excellent information David Lukas of David Lukas Financial has about eliminating tax risks on your retirement portfolio, listen to the entire show today.

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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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)

Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, to Learn More About The Retirement Advantage Process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Direct download: 03-31-2018_KARN_SHOW.mp3
Category:general -- posted at: 12:00pm CDT

When it comes to the amount of risk your retirement portfolio is under, less is better. But when you’re continuously sold the idea that risk is necessary to achieve the gains you want what’s a Saver to do? First, you have to know your risk tolerance. (Risk tolerance is the grade of variability in investment returns that an investor is willing to withstand or lose.) Second, your risk capacity needs to be measured. (Risk capacity is an objective measurement of the amount of risk you need to take in order to meet your established financial goals. Risk capacity can also be used to analyse the influence of any risk development on your current portfolio's ability to meet your future financial obligations.) Only then can you proceed with confidence.

 

This week on the David Lukas Show, David talks about how asset allocation could be the single most important factor in planning your retirement responsibly. And as in all things in life, there’s a right way and a wrong way to diversify your portfolio. Throughout the hour, David talks about:

  • The importance of Tax planning
  • Real estate options as investments
  • Products that contain LESS risk
  • Sequence of return risk
  • How to measure your tolerance for risk
  • How to measure your risk capacity

 

To hear all of the excellent information David Lakas of David Lukas Financial has about eliminating your capacity for risk, listen to the entire show today.

 

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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David Lukas Financial is now accepting reservations for the March 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 March’s classes.

Upcoming Classes Available:

  • Thursday, March 29, 2018 6:00 PM
  • Friday, March 30, 2018 6:00 PM

 

MORE DATES COMING SOON!

HELD AT THE HAMPTON INN:

11920 MAUMELLE BLVD,

MAUMELLE, ARKANSAS 72113

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)

 

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—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.

Direct download: 03-17-2018_KARN_SHOW.mp3
Category:general -- posted at: 12:00pm CDT

Wall Street took quite a ride the first week of February dropping to an alarming 4.6%—losing trillions of dollars in market value in a matter of days. So what do you do now to protect your retirement money and investments? Is the party finally over for the longest running Bull Market in history? Who knows. If it is, are you willing to take the RISK?

 

Today, on the David Lukas show, David talks about the recent turbulence investors inevitably experienced during the recent market drop. Throughout the hour David offers the kind of sound and practical advice needed and the steps Savers can take to help protect their assets from a volatile down market.

  • Products that protect your money
  • Steps necessary to retire WorryFree®
  • Stress tests for your finances

 

To hear all of David’s excellent information, listen to the entire show today!

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David Lukas Financial is now accepting reservations for the March 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 March’s classes.

Upcoming Classes Available:

  • Thursday, March 29, 2018 6:00 PM
  • Friday, March 30, 2018 6:00 PM

MORE DATES COMING SOON!

HELD AT THE HAMPTON INN:

11920 MAUMELLE BLVD,

MAUMELLE, ARKANSAS 72113

CLICK HERE TO REGISTER TODAY!

 

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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)

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—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.

Direct download: 02-24-2018_KARN_Show.mp3
Category:general -- posted at: 12:00pm CDT

Saving for retirement isn’t easy. It takes a career’s worth of time and dedication to accumulate the kind of money most people need to retire WorryFree®. What a lot of planning retirees aren’t accounting for is the possibility of losing more than half of their money due to the penalties, taxes and fees associated with Required Minimum Distributions (RMDs).

This week on the David Lukas Show, David talks about how underestimating and inadequately planning for RMDs can ruin any carefully planned retirement. Throughout the hour, David talks about:  

  • What accounts are subject to RMDs
  • What accounts save you from RMDs
  • When you need to take your RMD—important deadlines
  • How to calculate your RMD
  • How RMDs are taxed
  • How to create a proactive RMD strategy to protect you from unnecessary taxes, fees and penalties

 

To hear all of the excellent information David Lakas of David Lukas Financial has about Required Minimum Distributions, listen to the entire show today.

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Book recommendation from today’s show : The Power of Zero by David McKnight

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Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today.

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David Lukas Financial is now accepting reservations for the March 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 March’s classes.

 

Upcoming Classes Available:

  • Thursday, March 29, 2018 6:00 PM
  • Friday, March 30, 2018 6:00 PM

 

MORE DATES COMING SOON!

HELD AT THE HAMPTON INN:

11920 MAUMELLE BLVD,

MAUMELLE, ARKANSAS 72113

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)

Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.

Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—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.

Direct download: 02-17-2018_KARN_Show.mp3
Category:general -- posted at: 12:00pm CDT

When you’re married, saving for retirement is a joint effort. If you’re not sharing in this effort you should be. Common ground needs to be found and communication should always be open about your financial expectations in life now and the impending future. If you and your spouse aren't’ talking about these things now you need to.

This week on the David Lukas Show, David talks about how to get on the same page as your spouse in planning your retirement. Throughout the hour David talks about all the ways you and your spouse can talk about and ultimately plan a retirement you’ll both be comfortable with.

Need help getting the conversation started? Here are the five critical questions spouses need to ask each other while planning their retirement.

  • Are we spending more than we should?
  • Do we have the same vision for retirement?
  • Do we agree on the amount of risk we’re taking on your joint investments?
  • Do we have our Social Security benefits set up and maximized correctly?
  • Do we have a plan for life expectancy/ longevity plan/ long-term care?

To hear all of the excellent information David Lakas of David Lukas Financial has about you and your spouse planning your retirement together, listen to the entire show today.

 

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David Lukas Financial is now accepting reservations for the March 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 March’s classes.

 

Upcoming Classes Available:

  • Thursday, March 29, 2018 6:00 PM
  • Friday, March 30, 2018 6:00 PM

 

MORE DATES COMING SOON!

HELD AT THE HAMPTON INN:

11920 MAUMELLE BLVD,

MAUMELLE, ARKANSAS 72113

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)

Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.

 

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Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—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.

Direct download: 02-10-2018_KARN_Show.mp3
Category:general -- posted at: 12:00pm CDT

Are you needlessly shelling out thousands of dollars in taxes when you could be keeping more of the money for yourself? Are you tired of hearing about how the wealthy are paying less to the IRS while you’re paying more?

The IRS estimates that 20% of Americans miss out on up to $6,000 worth of tax breaks every year. Business owners are missing out as well. Not because they don’t want the break but it’s because they don’t know how to file.

This week on the David Lukas Show, our host talks about how important it is to plan your retirement, collection of Social Security benefits and estate with current and future taxes in mind. In the first half of the show, David discusses what tricks can be utilized and how tax diversification is the key to saving more and paying less on...

the three basic tax categories:

- Taxed Always- savings account, dividends on investments, brokerage accounts

- Taxed Later - 401K, IRA, real estate, hard assets

- Taxed Rarely-  Roth IRA, interest from Municipal bonds, certain types of life insurance contracts

 

Don’t own too many products (investments, brokerage accounts, real estate, hard assets…) that are taxed the same way or at the same time.

Kiplinger.com

 

For the second half of the show, David expands upon the varying steps Americans can now take to mitigate their impending Tax Tumor—before retirement.   

 

To hear all of the important information and advice David of David Lukas Financial has to offer, listen to the entire episode today.

 

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David Lukas Financial is now accepting reservations for the March 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 March’s classes.

 

Upcoming Classes Available:

  • Thursday, March 29, 2018 6:00 PM
  • Friday, March 30, 2018 6:00 PM

 

MORE DATES COMING SOON!

HELD AT THE HAMPTON INN:

11920 MAUMELLE BLVD,

MAUMELLE, ARKANSAS 72113

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)

Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.

Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—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.

Direct download: 02-3-2018_KARN_Show.mp3
Category:general -- posted at: 12:00pm CDT

If you’re a Saver, saving and investing for retirement has been the easy part. In fact, it’s second nature. But when it comes to knowing what fees and penalties you’ll pay if you don’t set everything up correctly when you’re set to collect or even access your own money many haven't a clue.  

This week on the David Lukas Show, David talks about all the ways you can be penalized when accessing your money too early or too late of your retirement date or age. Throughout the hour he expands upon each of the topics listed below...

  • Claiming your SS benefits
  • Enrolling in Medicare
  • Withdrawing money from your IRA
  • 401k withdrawal
  • RMDs (Required Minimum Distributions) for both account holders and Inheritors
  • Other trap doors and challenges
  • The little know options you in fact have to protect your retirement

To hear all of the excellent information that David Lukas of David Lukas Financial has about planning proactively for retirement, listen to the entire show today.

 

----------------------------------------------------------------------

David Lukas Financial is now accepting reservations for the March 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 March’s classes.

 

Upcoming Classes Available:

  • Thursday, March 29, 2018 6:00 PM
  • Friday, March 30, 2018 6:00 PM

MORE DATES COMING SOON!

HELD AT THE HAMPTON INN:

11920 MAUMELLE BLVD,

MAUMELLE, ARKANSAS 72113

 

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)

Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.

 ----------------------------------------------------------------------

Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—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.

Direct download: 01-20-2018_KARN_Show.mp3
Category:general -- posted at: 12:00pm CDT

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