Annuities In Frisco, Tx: Your Post - Retirement Financial Security
Join 1000's of Authors at StreetArticles Today!

Annuities Frisco TXAnnuities, IRAs and pension plans are just some of the income streams that can be available to you after you retire. When you get the help of a good financial planner in Frisco, TX, you’ll get all of the information you need to help construct a retirement investment portfolio that will give you peace of mind. After all, isn’t that what we all envision when we daydream about retirement – worry-free days spent relaxing at the beach or travelling around the world? Here are some steps you can take to ensure that your retirement is everything you hoped it would be:

▪ Maintain A Solid Investment Portfolio

Even if you didn’t start planning for your retirement until later in life, your investment portfolio should contain a good mix of conservative and moderate investments. Your conservative investments and income streams, like your pension plan or CDs, should be able to sustain you through several years of living expenses while your more less-conservative investments, like stocks and some types of annuities, give you a chance to grow your income quickly. You should err on the side of more conservative types of investments for each decade after you pass 60. As your financial planner in Frisco, TX will likely tell you, volatile investments are much harder to recover from after retirement.

▪ Retire Debt-Free

Make it one of your goals to be completely debt-free before you retire. High interest rates on car and home loans and on credit cards don’t seem as daunting when you’re working and able to bump up your income through promotions or changing jobs; but once you’ve retired, they can wreak havoc on your financial security. It’s also good for you mentally not to carry heavy debt into retirement.

▪ Keep A Cash Reserve

The rule-of-thumb for people still in the workforce is to keep enough cash on hand to cover 3 to 6 months-worth of living expenses in case you lose your job. The thinking behind it is that you should reasonably expect to find another job within that timeframe. For retirees, the rule is to have enough cash to cover 12 to 18 months-worth of expenses since it may take that long for your portfolio to recover from whatever problem it encountered that cost you money.

▪ Don’t Overspend

Unless you are mega-rich, retirement isn’t a time to spend money frivolously. In fact, after retirement you should be even more thoughtful and conservative with how you spend money. If you’ve invested wisely and well, you’ll have opportunities to spend money on travel or on an RV or on your grandchildren; but, in general, it’s best to be more cautious with your money after you retire.

▪ Don’t Slow Down

If your life has always been full of activity, don’t slow down during retirement just because you think that’s what you’re supposed to do. Enjoy your hobbies or find new ones. Retirement is also a great time to dabble in a dream job you’ve always wanted but knew would never pay the mortgage. Just because you’re over 65, that doesn’t mean your life shouldn’t be fulfilling and meaningful.

If you want to learn more about investing for retirement with annuities and other financial tools and you live in Frisco, TX, call me, Jason Graziani, at (972) 992-1920 to make an appointment for a consultation.

Annuities Frisco TX

Jason Graziani

15150 Preston Road, Suite 300

Dallas, Texas 75248

(972) 992-1920


Street Talk

No comments present
You May Also Like
Role Of Technology Assets In Small Business Valuation
The technological infrastructure of a company forms a significant part of the intangible assets of a company. It would be a folly on the part of the business owner to undermine the importance of the technology based assets of the business, while conducting a company valuation. A few such assets…
By: Ruby Scott in  Finance  >  Credit Counseling   Feb 18, 2016  
0
  Likes: 0

The Magic Of Online Small Business Valuation Services
Business appraisals are the need of every small and medium enterprise. The business valuation reveals the worth of the company, and helps in decision making by the management. The business valuation report also becomes an asset of the company which comes handy during different situations concerning the company. In fact,…
By: Ruby Scott in  Finance  >  Credit Counseling   Feb 10, 2016  
0
  Likes: 0

What Does A Sample Business Valuation Report Contain?
A business valuation report is of utmost importance for any small and medium businessman. It not only becomes an asset to the company but also comes handy during the sale of the firm, merger or acquisition and also any instance of partnership divorce. There are several firms who assist businesses…
By: Ruby Scott in  Finance  >  Credit Counseling   Feb 09, 2016  
0
  Likes: 0

What You Should Know About Consumer Credit Counseling
Many people these days find themselves at the brink of financial burden in paying off debts. Because of the economic crisis resulting in a high unemployment rate, there are is a growing number of people who are looking for some ways to ease their difficulties in meeting their financial dues…
By: Johnny Tyler in  Finance  >  Credit Counseling   Jan 01, 2013  
0
  Likes: 0

How An Average Consolidated Credit Counseling Service Works
When it comes to paying off debt, for example paying a credit card debt, the current economic times can even call for tough choices. Even though you may go into debt from credit cards, there are many services such as consolidated credit counseling services to help you reduce your payment…
By: Yvonne Kelsinger in  Finance  >  Credit Counseling   Dec 30, 2010  
0
  Likes: 0

Money Management is Very Important for A Business Startup for A Controlled Cash Flow
It is highly essential that you must manage your money effectively to make your ends meet no matter whether you are a house owner or a business firm. It wouldn’t appear good for a business firm if it is unable to pay bills on time and often have to borrow…
By: MarkAllen2013 in  Finance  >  Credit Counseling   Jan 10, 2014  
0
  Likes: 0

Consolidated Credit Services
Once you have incurred debt, be it credit card or other unsecured debt, I know you would have probably heard of consolidated credit or credit counseling. Consolidated credit counseling services play a big role in debt consolidation and credit counseling industry. These services offer those in debt with education in…
By: Yvonne Kelsinger in  Finance  >  Credit Counseling   Dec 30, 2010  
0
  Likes: 0

Managing Debt Difficulties And Knowing the Need for Debt Counselling In Toronto
For individuals struggling with financial issues, one of the best suggestions they might receive would be to seek debt counselling in Toronto. For many individuals suffering from large amounts of debt, they need suitable guidance and be able to be aware of the very best plan or solution to ensure…
By: Penny Killen in  Finance  >  Credit Counseling   May 31, 2015  
0
  Likes: 0

How Business Valuation Calculator Helps During Uncertain Situations
A business valuation report can be generated after a comprehensive assessment of a number of legal documents. The legal documents required for this purpose must be authentic and complete with all relevant information. Among all the documents required for a valuation, the documents which show trend forecasts and future projections…
By: Ruby Scott in  Finance  >  Credit Counseling   Feb 04, 2016  
0
  Likes: 0

Alternative Business Opportunities Are Important As A Backup for Any Business Risk
Business owners work with a focus in mind, which is to gain monetary growth anyhow. Some entrepreneurs have ample finances to bare any kind of challenge and there are others who face problems during starting up a business. In many businesses, challenge and risk factors are more and in such…
By: MarkAllen2013 in  Finance  >  Credit Counseling   Jan 15, 2014  
0
  Likes: 0

Global Payments With Virtual Merchant
In the stage of credit and debit card contacts, there is a new promotional formed for the global payments methods. It is basically a third-party payment management solution in the world which helps in the commercial leading the credit and debit processing abilities. It has given the dealers and all…
By: Daina angel in  Finance  >  Credit Counseling   Jul 01, 2015  
0
  Likes: 0

The Worlds Ideas Of Savings
The other day I was sitting with my Grandpa and we were carrying on about the world around us. Are conversations were mostly on pretty women and fast cars and just a good day in the summer where u could really just let loose. Be a young man and having…
By: lucas1 in  Finance  >  Credit Counseling   Aug 29, 2011  
0
  Likes: 0

National Credit Counseling Services
Have your finances been out of control lately? Well, do not lose hope! The good news is that you can become debt free with the national credit counseling services. The national credit counseling services is a non-profit debt consolidation and credit counseling company that will help you save thousands of…
By: Yvonne Kelsinger in  Finance  >  Credit Counseling   Dec 30, 2010  
0
  Likes: 0

Payments Of Virtual Merchant
Merchant System provides processing, settlement and support for both credit cards and checks. With a wide variety of user-friendly terminals, your merchants can accept credit cards Visa as well as local debit brands and foreign cards. In addition, Merchant System provides revenue-producing programs, including gift and loyalty cards to attract…
By: Daina angel in  Finance  >  Credit Counseling   Jun 18, 2015  
0
  Likes: 0

Non-Profit Credit Card Relief Companies
Non profit credit card relief companies fund credit counseling programs that make it possible for hundreds of thousands of consumers with their debt reduction issues that are always on the increase in today's world. My advice is that you should read all the details provided so that you can reduce…
By: Jerome Kesslar in  Finance  >  Credit Counseling   Jan 03, 2011  
0
  Likes: 0

Article Views: 515    Report this Article