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Archives for March 2016

Social Security Changes and Terminology

This past Saturday, Joe Lucey and Derek Fautsch talked about retirement planning and Social Security on Secured Retirement Radio.We are continuing to get a record number of calls and questions each week regarding the pending changes to Social Security. Many of the questions are on terminology such as “file and suspend” “restricted application” and “full retirement age”. These are just a few of the phrases that can use translation when understanding the changes to the program and benefits.

For those affected by the changes to Social Security, the clock is ticking. Now is the time to be informed and translate the impact on your benefits. It also is a good time for retirement planning in relation to the changes.

At Secured Retirement Financial , we specialize in  Social Security, tax savings and retirement income. For a custom Social Security analysis or Retirement Review  on your schedule call us at 952-460-3260.

Click Here to hear this week’s radio show.

Van Halen and M & M’s

Back  in the 70’s legend was that  Van Halen required  their hotels to stock M& M’ s  with the brown variety removed from each bowl. At the time, the band was top of the charts with multiple hits …the M&M story fit with our expectations of rock star’s excess. We all should take a turn being David Lee Roth.

later read this legend was true for a reason. At the time, Van Halen’s shows were very intricate; full of explosions, fireworks, and music, hence tour contracts were very important. The band was concerned that attention was being paid to the contracts at each tour stop so they included the M & M clause toward the end. That way, they knew on arrival if their contract had been read and had gotten anyone’s attention.

So what does this have to do with retirement planning?

Secured Retirement Radio’s Joe Lucey is a nationally recognized expert on retirement and Social Security. He and show colleague  Derek Fautsch have been analyzing the changes to Social Security since prior to the legislation last fall and broadcasting the changes to thousands via airwaves, the internet, classes, seminars and in-person meetings.  The changes affect millions and are pending.

If your advisor hasn’t brought up the changes to Social Security… maybe it’s time to check if this has their attention. Might you have brown M& M’s in your bowl?

For a Social Security Analysis or a Retirement Review by the experts call Secured Retirement Financial at   952-460-3260.

Click Here to hear this week’s radio show.

Back Up Generator

Secured Retirement Radio’s Joe Lucey and Derek Fautsch have been talking about the coming changes to Social Security over the last few months.  The changes that are pending are inevitable and will become binding. As a result, the options to maximize Social Security income for millions of people are going to change significantly moving forward.

For many, Social Security income is, or will be the main current or power source of income during their retirement years.  If that is the case for you, it’s a good idea to tune up your “back-up generator”  including savings, investments and/or equity that you have set aside over the years.

Much like a generator supplies power during a storm, setting aside income sources and looking for ways to grow your investment should be discussed to help compensate for the impending changes to Social Security. Now is a good time to review your current plans and see if there is something better, or something that can equal or surpass any lost power in Social Security benefits. At Secured Retirement Financial we call this a 3 Step Review. How can you get yours now? Simply by giving us a phone call at 952-460-3260.

Danielle Christensen

Paraplanner

Danielle is dedicated to serving clients to achieve their retirement goals. As a Paraplanner, Danielle helps the advisors with the administrative side of preparing and documenting meetings. She is a graduate of the College of St. Benedict, with a degree in Business Administration and began working with Secured Retirement in May of 2023.

Danielle is a lifelong Minnesotan and currently resides in Farmington with her boyfriend and their senior rescue pittie/American Bulldog mix, Tukka.  In her free time, Danielle enjoys attending concerts and traveling. She is also an avid fan of the Minnesota Wild and loves to be at as many games as possible during the season!