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Building a Portfolio with Principal Protection

7/28/2020

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Commentary Presented by: Dana Dunkelberger

This week’s article reminds us that pre-retirees can “diversify their portfolio in a way that distributes risk and prepares their retirement savings for growth in a variety of economic environments. It’s even possible to build in some principal protection with the inclusion of Fixed Indexed Annuities (FIAs). FIAs are insurance products that can guarantee income to contract holders over a period of time — even over a lifetime”. With this financial product, “the insurance company absorbs the risk of market downturns, guaranteeing a minimum floor, and protecting contract holders from market losses.” If you are concerned about having to absorb the risk of market downturns in your portfolio, call us, we’re happy to see if an FIA is right for you. We’re always here to help.
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Formula for the Math

7/14/2020

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Commentary Presented by: Dana Dunkelberger

I’ve been asked to explain how the dollar amount of what someone receives in social security is impacted by their age at filing for SS. This week’s article does that. It tells us “One of the most important factors affecting your retirement security is how long you work. Additional years make it easier to increase annual Social Security benefits through delayed filing: Filing at the earliest age (62) gets you 75 percent of your annual full benefit; every 12 months of delay past your full retirement age (currently around 66, depending on your year of birth) gets you an additional 8 percent until you turn 70. Working longer also can mean saving more, living off those savings for fewer years and getting more years of employer-subsidized health insurance”. Let us know if you need help in applying these formulas to your personal situation to determine how much additional income you may need to help you live out a more stress-free retirement. There are products that can provide additional income that you may not know about. Call us, we’re always here for you.
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Back Roads of the Economy

7/7/2020

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Commentary Presented by: Dana Dunkelberger

J.P. Morgan’s chief global strategist David Kelley recently gave a speech concerning there still being a long way to go before the US has a full economic recovery and it is “therefore wise for investors to be cautious.” “He compared the current situation to when he used to drive to New York from Massachusetts. It’s only about a four-hour drive in theory, but it always takes longer, he noted. That is because you’ll be “speeding along the highway, but you always know by the time you get to Bridgeport, Connecticut,” you hit traffic, so you try to avoid the traffic by taking the side roads, he recalled, adding: “Eventually you do get there — it’s just much slower going.” He said that “When you take the back roads, there are lots of twists and turns and the bottom line is that that makes it very difficult to see what is ahead, and speeding on a back road … will get you into trouble.” It may be time to think of ways of generating income in your portfolio without materially adding to your overall volatility. Call us, we can tell you about a product that protects your principal when the market goes down, and also guarantees income for life. We’re always here to help.​
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​By contacting Dana Dunkelberger, TX License #1490984, Tyler Dunkelberger, TX License #1977049/Reliance Retirement Services, TX License #2265020 you may be offered information regarding the purchase of insurance products, including fixed index annuities and life. NO products will be sold at the event and there is no obligation to make a follow-up appointment. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Reliance Retirement Services and our editorial staff. The information contained in this material has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Gibbs Wealth Management, a Registered Investment Advisor in the State of Texas. The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Texas or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.
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