Successful Retirement as easy as you knowing these secrets...

A Secret For Successful Retirement Savers

Retirement and investment accounts often charge fees for trades, early withdrawals, failing to take withdrawals correctly, and other specific actions you might take. Get to know the rules so that you can avoid triggering fees and penalties.

A simple and still very powerful secret for success in your financial planning.

For more information give me a call to start a FREE evaluation of your financial situation and to establish a successful retirement plan today.

It doesn't matter if you think your financial situation is good or bad; the important thing to do is to get started!

Give me a call,

Jesse Alvarado
(562)822-5565

Saving the smart way for an effective retirement plan

Automate Your Retirement Savings

When you are saving for retirement, it is often a good idea to have the money automatically withheld from your paycheck so that you are not tempted to spend it on something else. If payroll withholding is not an option at your job, consider setting up a direct deposit from your checking account to a savings or investment account that occurs immediately after you receive each paycheck.

Simple techniques, as this one, do work; even something as simple as $10 a week over a period of time can add up pretty quickly.

Give me a call to learn more details on how to set up an automatic retirement savings plan considering your very own financial situation. This is a FREE evaluation you want to take advantage of.

Call me,

Jesse Alvarado
(562)822-5565

A never pay taxes plan...don't miss it!

Does TAX FREE savings sound good to you?

 
How would you like to have a savings plan that at age 65 when you retire you don’t pay taxes on the gains. Not one cent!

Call me right now to discuss it and implement it for your retirement,

Jesse Alvarado
(562)822-5565

If this benefit is not there, do not lose time and money with a 401(k)

And what if your employer doesn't match contributions

One of the greatest benefits of a 401(k) comes from employer matches on contributions. If you're lucky, your company will agree to match your contributions up to a certain amount. You should almost always meet the company match. It's basically free money. Whether you contribute beyond the match is a decision you'll want to make taking into consideration your other investing options.

Unfortunately, many employers that offer a 401(k) plan don't match contributions. In that case, there are often better investment strategies. Since the money you contribute to your 401(k) will be taxed later in life and often has limited investment options, you may want to opt for alternative retirement plans.

Give me a call for a FREE evaluation of your financial situation and to share with you better retirement plan alternatives if you find yourself in a situation as explained in the previous paragraph.

Don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

Extremely important financial plan

EMERGENCY FUND

Everybody needs one. Before saving, spending, investing or pretty much anything that involves moving money around, start by setting up an emergency fund. In the unfortunate case of a job loss, medical emergency or other personal crisis, you'll want to have the assets necessary to carry your family through to safety.

Generally, the recommended emergency fund is equivalent to six months of income. Establishing an emergency fund first is imperative. When hardships arise, you don't want to be forced to dip into your savings or retirement plan if you have one.

Let's set up an emergency fund for you.

Call me for a FREE evaluation of your very own financial situation. Don't put it off anymore.

Call me right now,

Jesse Alvarado
(562)822-5565

Don't underestimate expenses when creating your retirement plan

The thing about retirement is that it's filled with expenses

And they can be thought of as the minimum needed to sustain a standard of living, plus extra for nonrecurring needs and amounts to help meet dreams. What's more, those expenses are likely to change over time.

So, to make your retirement plan work in reality you first have to make it work on paper. You need to compare whether you'll have enough guaranteed income to cover your essential living expenses, including food, housing and health-insurance premiums, at the point of retirement and then compare what amount of income you'll need to cover your discretionary expenses, such as travel and the like (if those are indeed what you might consider discretionary expenses).


No doubt, as you go about the process of matching income to expenses, you might find yourself having to revise your discretionary expenses, especially if there aren't enough guaranteed sources of income to meet essential expenses.

Call me for a FREE evaluation of your financial situation,

Jesse Alvarado
(562)822-5565

The old trick for financial success is still valid...

 Save and save and then... save some more...

I know I may sound like a broken record, but more than half of all workers and retirees say they have less than $25,000 in savings, according to a 2011 survey by the Employee Benefit Research Institute. And while we all may have a thousand and one excuses for why we can’t save, the reality is that saving something, anything, is still better than saving nothing. Saving money doesn’t have to be hard if we make it a priority and as automatic as possible. Start with the smallest amount you can put away per week, and try to increase it monthly, or quarterly, as you build a bigger and bigger savings account.

Call me soon to let you know how a particular form of investment can help you grow your savings dramatically using the power of compound interest.

Jesse Alvarado
(562)822-5565 

Do you have Life Insurance? Do you know how it works?

LIFE INSURANCE, TELL ME MORE ABOUT IT...

Life insurance is often marketed to high-earning professionals and business owners as a means to put away additional funds for retirement over and above any type of retirement plan they might already have, such as a 401(k).

The pitch is this: buy a policy with underlying investment vehicles that will build cash value over time. The client funds the policy for certain number of years and the growth in the cash value will eventually negate the need for additional premiums. At retirement the client can withdraw cash as a tax-free loan for retirement. The loans never need to be repaid and the only consequence is a reduced death benefit.

Unfortunately, the middle class hardly hears anything on this subject even though they (the middle class) constitute not just a huge market, but also with capabilities of creating plans that can be very creative and efficient for both the insured and the insurer.

This is where I enter the picture to provide you with more information and real answers to your specific issues.

Call me right now, don't postpone it,


Jesse Alvarado
Your WFG Financial Advisor
562-822-5565

How much do you need to save for a pleasant retirement?

The Busted Financial Myth Most People Do Not Know About 

"A couple hundred thousand dollars will be plenty to last me through retirement."

Why is this myth busted?

For some retirees today, it’s possible that amount could work; but most people currently in their 20s, 30s, 40s, or even 50s will need to save far more than that to be able to live comfortably through retirement. Again, don’t just guess. Either figure it out yourself or talk to someone who can figure it out for you, because you do not want to wait until it’s too late to find out you haven’t saved enough.

Give me a call for a FREE financial consultation.

Jesse Alvarado
(562)822-5565

Uncertain about where to Invest? I can Help!

Investing in uncertain times By Jesse Alvarado
Your WFG Financial Advisor
562-822-5565

Financial Fantasy? Please don't live on it!

Do Not Live In A Financial Fantasy

Some 30 percent of Americans say they will need to work into their 80s to be comfortable in retirement.

Where is the fantasy here?

The reality is that many people won't be physically able to work into their 80s. According to the U.S. Administration on Aging's Aging Integrated Database (AGID), 22.5 percent of Americans aged 60-84 reported employment disability--they were physically unable to work and receive disability payments because of that disability.

Please say no to fantasies, live in the real world!

Call me for a FREE financial analysis.

Jesse Alvarado
(562)822-5565

Retire with $1,000,000

Start Saving By Age 25

It is difficult to start saving for retirement when your entry-level salary barely covers your student-loan payments. But beginning to build a nest egg during your first job is the most painless way to become a millionaire by retirement.

If you start saving for retirement at age 25, you only have to save about $4,830 annually to reach $1 million by age 65, assuming an annual return of 7 percent after fees. If you wait until age 40 to start saving, you'll need to tuck away much more: $15,240 per year, assuming the same retirement age and annual return. Alternatively, you could start out saving slightly less and boost your savings rate as you receive raises and bonuses. 

A 20-year-old may only be able to save $100 per month, but the exercise of saving $100 per month when you are 20 will make it easier for you to go to $200 a month when you are 25 or 30, the act of saving is like developing a muscle, and if you start early with small amounts, you will build the saving muscle.

Call me for a FREE evaluation of your financial planning for retirement.

Jesse Alvarado
(562)822-5565

Why Young People Need to Save for Retirement

No, You Are Not Too Young To Start Saving

It is a common shrug among people in their twenties, the retirement meh. "I'm too young to worry about retirement." Or, "I'm too broke to worry about retirement, and I'm young so it doesn't matter." In our late-blooming culture even some thirty-somethings exhibit the same indifference. Sorry kids, but you're wrong. Name an age. That's the right age to start putting money away for a rainier day.

The fact is, you should start stashing even a small amount of money as early as possible into a tax free account. If you become knowledgeable of this type of account, you will be the envy of anyone who understands compounding.

Call me for a FREE evaluation of a retirement plan that specifically applies to you.

Jesse Alvarado
(562)822-5565

When it comes to retirement alternatives, expand the Pie...

What else can I do to retire rich?

Easy. Don't just cut expenses - find a way to make more money!

By taking on side work or turning a hobby into a business enterprise, you can create additional streams of income to help fund your retirement.

In many cases, this is an excellent alternative to cutting costs because it allows you to maintain your current standard of living while providing for your future.

Give me a call for a FREE evaluation of your retirement alternatives,

Jesse Alvarado
(562)822-5565

Take control of your debt today!

Why You Should Avoid Paying Off Debt With Savings

For example your debt is costing 19%, your retirement account is making 4%, you may think that by swapping the retirement for the debt you will be pocketing the difference.

The problem here is that withdrawing funds is easy, but it's very hard to pay back those retirement funds. With the right mindset, borrowing from your retirement account can be a viable option, but even the most disciplined planners have a tough time placing money aside to rebuild these accounts. When the debt gets paid off, the urgency to pay it back usually goes away. It will be very tempting to continue at the same pace, which means you could go back into debt again - but this time five years of savings will have been wiped out too.

If you are going to do it, you have to live like you still have a debt to pay - to your retirement fund. Keep that need-to-pay mentality you had with your credit cards, and create a plan to pay yourself back.

Call me today for a FREE evaluation of your specific financial situation.

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

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

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