60’s & beyond:

The Rule of Thumb of equation of 100 - age still applies at this point and an even more conservative application will ensure your money will last well into your retirement.

With people living longer due to better health habits as well as advancements in medicine, “longevity planning” is becoming a reality with people spending as much time in retirement as they did in their working years…sometimes upwards of 30 years!

Your money MUST last as long as you do…sometimes even longer.

Generational planning for children and/or grand-children becomes a very big reality.  “How will I pass my ‘life’ to the next generation(s) with as little penalty from Uncle Sam as possible?”

Annuities play a huge role at this point.  They are the ONLY product on the planet that allows you to have “Triple Compounding – Interest on a deposit, interest on interest and interest on the money that would have otherwise been paid to taxes.”

Life insurance planning is also huge…do I want to pass taxable or NON-taxable dollars to my heirs? 

Life insurance is the only product on the planet that allows one to pass TAX-FREE dollars.

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