Wealth For Life with Denver Nowicz

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Syndication

Since we have seen how long bear markets can last and that most investors don’t have a 100+ year time horizon, we need to plan for bear markets that could fall into your peak saving years and income years.

There are strategies to overcome this and keep your wealth growing using real estate, investments and insurance products. Today we will focus on the using index crediting strategies in insurance products.

Check the extra section to view the chart mentioned in this episode or click here:

http://wealthforlife.net/market-trends-affect-wealth-part-2-2/

Compare the time frame in the chart below to the Dow jones chart in the previous post:

http://wealthforlife.net/radio-show-market-trends-affect-wealth-part-1/

Keep in mind the above results are based on a specific cap and floor and which can vary and change based on current rates. Also, the numbers are gross historical crediting rate before fees and cost. Same goes for the Dow chart regarding fees and costs.

Call us any time with questions: 480-970-5663480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/

Direct download: market_trends_pt_2_-_mp3_show.mp3
Category:Investing -- posted at: 11:36am MDT

History shows that the equity market enters long periods of high returns, followed by lengthy periods of lower ones. These periods are called secular trends. There are two kinds of secular trends:

A secular bull market, or upward-trending market, occurs when each successive high point is higher than the previous one.

A secular bear market, or downward-trending market, occurs when a trend does not rise above the previous high.

We have had four bear markets that lasted 18 years, 25 years, 17years and 11 years.

Over the last hundred plus years, the stock market has rewarded some investors with long-term growth. But for most investors, a realistic time horizon is 10 to 20 years—not more than a century.

What happens if your peak saving years come during one of these long term bear flat markets?

Check the extra section to view the chart mentioned in this episode or click here:

Market Trends Chart

Call us any time with questions: 480-970-5663480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/

Direct download: market_trends_pt_1_-_mp3_show.mp3
Category:Investing -- posted at: 10:54am MDT

In this final segment we discuss how to take chunks of money you have saved and create income for life. The younger you start this process the better. The great fiction you hear from financial media is that when you are young you need to be aggressive.  This is not based on any fundamentals and not is it true. There is no one-size-fits-all advice.

When you start young using safe vehicles you can create incredible income streams down the road. The idea of building a strong financial core first, then taking risk later is more appealing to many young professionals.  

You can learn more by downloading the free eBook: The Successful Professional Guide to Wealth For Life.  Get the book by clicking the link below:

http://wealthforlife.net/spguide/

Check out the video we mentioned in the show: The Great Annuity Deception

http://wealthforlife.net/great-annuity-deception/

 

Also, enjoy our 1980’s music intro! What movie does that remind you of?

Call us any time with questions: 480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

 

Learn more on a live webinar: http://wealthforlife.net/webinar/

Direct download: Build_Income_Streams_part_3_of_3.mp3
Category:Investing -- posted at: 4:00pm MDT

Build income streams you can access before and after age 59.5. Also have multiple sources of capital you can access without restriction (like you will find in 401k/IRA). This can give you better access to your money to handle the ups and downs of life. 

In this segment we also go over specific case studies comparing income streams from defined benefit plans and 401ks to tax free income from indexed universal life insurance plans. Successful professionals are increasingly building alternative income streams they can access before traditional retirement age.

You can learn more by downloading the free eBook: The Successful Professional Guide to Wealth For Life.  Get the book by clicking the link below: 

http://wealthforlife.net/spguide/

Check out the video we mentioned in the show: The Great Annuity Deception

http://wealthforlife.net/great-annuity-deception/

 

Also, enjoy our 1980’s music intro! What movie does that remind you of?

 

Call us any time with questions: 480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/

 

Direct download: Build_Income_Streams_par_2_of_3.mp3
Category:Investing -- posted at: 3:37pm MDT

Income planning is not just for retirement. What happens if you want to access your money early and everything you have saved is in a 401k? With the exceptions of emergencies you are stuck until you reach age 59.5 in most cases.

What if you want to go part time or start a business? What if you get laid off and can replace all your income? Having income streams you can access without the government penalties could be a good idea to incorporate in your planning process.

You can learn more by downloading the free eBook: The Successful Professional Guide to Wealth For Life.  Get the book by clicking the link below:

http://wealthforlife.net/spguide/

Also, enjoy our 1980’s music intro! What movie does that remind you of?

Call us any time with questions: 480-970-5663

 

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/

 

 

Direct download: Build_Income_Streams_part_1_of_3.mp3
Category:Investing -- posted at: 3:27pm MDT

If you have problems watching this video you can view it on our website here:

http://wealthforlife.net/great-annuity-deception/

Annuities can be a great way to create income for life. But not all annuities are good and consumers are not being told about what can go wrong with the vast majority of annuities sold in the market today.

In a nutshell, when you are using annuities for income streams most will have a level or flat payout. Meaning your income stays fixed for the rest of your life.

No increases in income ever. But what about inflation!!! This can seriously erode the buying power of a level payout. Yet in most discussions about annuities this issue is not even addressed while it could be one of the most important. 

Let us know what you think of the video!

Visit http://wealthforlife.net for more info or call us anytime at 480-970-5663.

 

 

Direct download: Annuity_Deception_HD.mp4
Category:Investing -- posted at: 3:21pm MDT

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