Joe Lucey

Packing for a weekend trip is easy. It only requires two changes of clothing, cosmetics and sundries, and you’re on your way. When travelling for a week or more, packing becomes more complex. How do you anticipate what you may want to wear seven days from now? The longer journey requires careful planning.

In 1930, before Social Security, life expectancy  for Americans was age 59. This year, that number is projected to hit 80. This equates  to for some, decades without a paycheck. Combine this with the coming changes to Social Security and planning the journey of retirement has become even  more demanding.

This past Saturday as in many of the past weeks, Joe Lucey and Derek Fautsch talked about the coming revisions to Social Security on Secured Retirement Radio. We are getting hundreds of calls each week as those 50 plus assess their Social Security benefits and  retirement.

Now is a good time for retirement planning in relation to the changes. We’re professionals, helping you plan a decades long journey. For a custom Social Security analysis or Retirement Review  on your schedule…call us at 952-460-3260.

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.

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.

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.

On last week’s radio show, Joe Lucey and Derek Fautsch talked about the pending changes to Social Security. Enacted in 1935 by FDR, Social Security was designed to create a net for seniors, post-depression and beyond. Changes have been made on various aspects of the program including taxation from 1939 through 1983. Last fall, Congress amended the program, in part to change rules on the file and suspend and restricted application strategies. Married and divorced couples can be affected by the changes depending on age. Retirees have typically used these strategies to improve benefits over time.

Certain ages are affected by the changes that take effect this spring and can impact millions. If you have questions about whether and how the changes affect you, or if you are looking for alternate strategies in light of the changes, now is a good time to be informed.

For a custom Social Security Analysis or 3 Step Retirement Review on your schedule, call us at 952-460-3260.

Retirement can sneak up on you. As your journey in life unfolds through life’s major milestones; jobs, kids, family, many are surprised and even caught off guard when their pending retirement arrives.. If you have reached the age of 50 plus it’s time to review your past accumulations and preview how to utilize your savings for retirement. On Saturday’s Secured Retirement Radio show, Joe Lucey and Derek Fautsch discussed the 3 Step Review, a consultation designed to help develop a personalized retirement action plan. You may have a pension, or an employer 401k, insurance, annuities, or other savings that you’ve built up over the years.

Now is the time to maximize these funds and have them start working for you. Plan to convert your hard-earned savings into retirement income that lasts a lifetime.

For a custom 3 Step, Review Retirement Analysis on your schedule…call us at 952-460-3260.

Click here to listen to Joe Lucey’s Podcast of this week’s radio series.