Retirement Income Planning and Maintenance

There are so many items in our lives that require regular maintenance.  Let’s think about this for a second.  Don’t we take care  of our cars?  Yes, change the oil, make sure tires are rotated and make sure that everything is functioning well before a trip?  What about your heating and cooling systems?  Of course we stay on top of this.  We don’t want to lose heat when the weather turns cold nor lose the A/C when the sun starts to bake us in the summer.  We go to the dentist on a regular basis, get regular check ups from our physicians and also make sure that our eyes are working well.  I could go on and on.  But, are you performing regular maintenance on your retirement income accounts?  Sadly, I find that many Americans don’t.  And, that can cause some real problems in American’s lifestyles.  Let’s examine…

If you are retired, or soon to be retired, you have hopefully divided your income needs into a couple of categories.  The first being the essential income that you will need to stay in the desired income life that you have planned on.  You take those expenses and subtract social security income, pension income if you are lucky enough to have one, and other guaranteed forms of income.  That is when you find the shortfall.  Then, there is the discretionary income that you desire.  You know, vacations, trips with the kids or grandkids, educational assistance for your loved ones, etc.  And, many Americans find this to be a little nerve racking.  Maybe I can suggest something to make your retirement a little more safe and serene.

I suggest an annuity that can provide a guaranteed flow of income for as long as you live might just allow you to spend more, relieve stress and protect this nest egg from losses.  Isn’t it great to know that there is an additional check sent to you each month.  It is a great way to “plug the gap” and provide the essential income that you need.  Now, there are various forms of annuities to choose from.  And, I feel pretty confident that you will find one to help you achieve the retirement dreams that you have.  Contact a licensed insurance agent that is a  member of “The Safe Money Places Agent Network” and have that maintenance review that I am talking about.  Great for peace of mind. What do you have to lose?  I feel pretty confident that you will start gaining better sleep at night.  I love annuities and know that you will to. Stay Safe.

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This article was written by... 
Raymond J. Ohlson CLU, CRC, CEO & President of The Ohlson Group, Inc. and SMP International, LLC     
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Mr. Ohlson entered the insurance business while completing his Bachelor of Science Degree at Ball State University.  He quickly qualified for the Million Dollar Round Table (MDRT) of which he is a Life Member.  He also received his Chartered Life Underwriter (CLU) designation from the American College in Bryn Mawr, Pennsylvania.
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Mr. Ohlson, a former life insurance company president, served for 13 years on the Board of trustees on one of Indiana's largest hospitals. He has his CRC, Certified Retirement counselor, published author and sought after speaker.