Worried about the future of Social Security? You're far from alone.

Long-term deficit? We can hardly afford our bills today.

The Social Security Administration itself has said that unless something is done to reform the system, it will burn through its funds within the next few decades. Less talked about, perhaps, is the concern about the present: the program is having a hard time paying its bills. In 2010, the Social Security Administration collected less revenue in taxes than it needed to cover its benefit payments — the first time expenditures have exceeded income since 1983. As a result, the program had to tap its $2.5 trillion trust fund, sooner than some had expected. The same is expected to happen in future years. "The depth of the recession has slowed down revenues to the system," say Eugene Steuerle, an economist with the Urban Institute, a non-partisan think tank in Washington, D.C.

Call me for a free evaluation about your very own financial security when you retire.

Jesse Alvarado
(562)822-5565

When you retire you want to have peace of mind...just watch your lifestyle and enjoy your free time.

Is it Really Hard to Downsize Your Lifestyle?

Depending on the level of savings, retirees should expect to reduce their living income by 25% or more. Many people are tempted to immediately go on a vacation or make a big purchase, but these decisions can have a lasting effect on future savings. The two major areas that a retiree can address are his or her home and vehicles. Moving into a smaller house or to a less expensive region can take a large chunk out of your expenses. Reducing the family fleet to a single vehicle or acquiring a more fuel-efficient vehicle will also free up more income. This is the trade-off you make for the free time that retirement allows.

Call me for a free evaluation of your retirement plan.

Jesse Alvarado
(562)822-5565

Is it possible to begin retirement debt-free?

Are You Retiring With Too Much Debt?

       
          You should make paying off high-interest credit cards a top priority when approaching retirement. It may not be possible to begin retirement entirely debt-free, but the interest payments on high-interest accounts will eat away at your savings. If you are in good health and can afford to work for a few more years, delaying your retirement may give you the breathing room to eliminate this debt. No one wants to spend his or her retirement paying off pre-retirement expenses.

Call me for a free evaluation...

Jesse Alvarado
(562)822-5565

Helping your clients secure their future!

·         Have you known them for a long time?

·         Are they currently working with the referral?

·         Did they complain about losing a lot of money in the market in the past few years?

·         Are they married, divorced, single, or widowed?

·         How do they feel about risk?

·         What are their interests?

I love referrals and would love to help you friend, family member or client plan for a more secure future.

Jesse Alvarado 562-822-5565

How secure is your future?

Have you properly planned for your retirement? Don't wait to start planning. Get Started today and start investing in your future! Call me for a FREE consultation and we can create a plan that fits your needs and that of your family. Jesse Alvarado 562-822-5565  

Do you understand the money game?

Are You Failing to Understand Distribution?

Take the time to understand when and how to remove and transfer funds from your retirement accounts to personal accounts. Initially, if you need to move money, it is best to move funds that are not subject to income tax so that you can avoid tax penalties. Withdrawing early from a 401(k) or improperly rolling into a new plan can incur tax penalties of up to 20%. Don't let a simple mistake or misreading impact the next 20 years of your life. The objective of your distribution strategy is to convert funds from pre-retirement accounts into post-retirement accounts that will provide your retirement income. Sitting down with a financial planner to prepare your distribution strategy is highly recommended.

Tax Problems?

Are You Overlooking Tax Consequences?

One of the primary benefits of starting an IRA is that, when withdrawn correctly, the earnings are tax-free. If you don't understand the associated penalties for either removing money too early or too late, you can find yourself paying enormous tax penalties, which can severely affect your retirement. Almost all retirement options have very specific rules regarding fees for withdrawing money at the wrong time. If you are spread between taxable and non-taxable accounts, withdraw some from both to avoid a heavy tax hit by moving into a higher bracket. This is another reason why you should plan your financial future with a professional retirement specialist.


Call me for a FREE financial review,

Jesse Alvarado
(562)822-5565

Are you Financially ready to retire?

Are you starting social security too early?

Many people want to begin collecting their social security benefits when they turn 62 and first become eligible. What many people don't realize is that the amount of benefits you receive scales with the age that you begin receiving benefits. The longer you wait to start collecting, the greater your initial annual income. The payments received if you begin collecting at age 70 (when benefits no longer increase) are nearly double those you would receive if you begin at age 62. 

Social Security benefits offer many advantages over other retirement options and great care should be taken to maximize the return. The payments adjust with inflation, are uninfluenced by the stock market, are subject to little or no income tax, and can be passed to your spouse upon death. Careful financial planning can allow you to delay the onset of the benefits and reap the rewards of a very secure, lifetime payment. 


Call me for a FREE financial review,

Jesse Alvarado
(562)822-5565

Who is giving you financial advise?

Are You Relying on the Financial Advice of Friends and Family Instead of a Professional?

Everyone has a friend or family member who is a self-proclaimed financial genius. They may even provide great tips for saving, but it is still best to sit down with a professional who can directly assess your finances. Your friend may have done a great job with his or her own retirement, but this doesn't mean he or she understands your specific needs. In a worst-case scenario, he or she knows even less than you do and your retirement begins as the proud owner of a South American beet farm. 

You don't need to be wealthy to sit down with a financial planner or retirement specialist. The earlier you begin creating a retirement plan, the easier it will be to manage in the future. The value of a professional who can integrate all of your income and savings into a cohesive plan cannot be understated.

Call me for a FREE financial review,

Jesse Alvarado
(562)822-5565

How sure are you about your best time to retire?

Are You Planning to Retire at a Specific Age?

There are many factors that can influence the age at which you retire, some of which are not in your control. An unfortunate layoff, forced early retirement or unseen health issues can cause you to retire earlier than expected. If you are counting on the last few years of savings to set everything in order, you may find yourself with a lack of income in a tough job market. This is why it is absolutely imperative that you begin your retirement planning as soon as you can. On the other hand, just because you reach 62 or 65 doesn't mean that you should automatically retire. Take the time to do a cash flow analysis and speak with a financial planner to determine when you can comfortably retire.

Call me for a FREE financial review,

Jesse Alvarado
(562)822-5565

Are you investing in your Child's Future?

Have you started a college education fund yet? 

What is the right age to start doing so? 

How much do you think it will cost you? 

Are you prepared?

 Join the Conversation and share what you are doing to invest in your child's future and their education!

NO FAMILY LEFT BEHIND...

Financially Set Family

Did you know that there are basically two types of family in the United States?

They are family A and family B

1st Family A

• Earning less than $100K
• They have no Advisor/no Plan
• They put money in the bank (low rates of return)
• They have insufficient Life Insurance Protection
• They have large Credit Card Debt
• They are Renters
• With Minimal Tax Advantages
• And they are the Majority of the Population

Now, Family B

• Earning more than $250K
• They have a Financial Professional
• They have a diversified portfolio (potential higher rates of return)
• They have Permanent Life Insurance Protection
• They are Debt Free
• They are Home Owners
• With Maximized Tax Advantages
• And they are a small Percentage of the Population

I can provide the education, products and services. My commitment is to move families from A to B.

For further information please call me,

Jesse Alvarado

(562)822-5565

TAX FREE RETIREMENT SECRET

How to pay no taxes,  Answer: Use IRC 7702 code

Have you ever heard about IRC 7702 code. It gives you the opportunity to save money for retirement with an insurance company paying no taxes on your gains when you retire.

This is the secret of the elite investors.

If you would like to find out more about it, please call me,

Jesse Alvarado
(562)822-5565