Not everyone has a degree in Financial Engineering, right?
We understand that planning your retirement can be a daunting task and we are here to help guide you through that process successfully. We understand that planning your retirement can be a daunting task and we are here to help guide you through that process successfully.
The PPG team is comprised of a network of hundreds of financial professionals working together to create the best financial plan for your individual situation.
Our recommendations will always be based on 100% facts, supported by math, science and verifiable evidence....not over inflated promises, scare tactics or media misinformation. And...we share this with you in a relevant and personal way.
Take a look at the list of questions below, do any of them apply to you?
If so, call us or schedule a Zoom meeting, we love to talk about this stuff!
1. What should I do if the stock market drops? How long does it usually take to recover? Will it hurt my retirement savings forever?
2. Is there a way I can tell if I am on the right track for retirement? Will I run out of money when I'm older? Is there an accurate way to predict my chances of success?
3. What exactly are Internal Roth Conversions? Do I have to use my savings to pay the IRS? Will paying taxes now hurt my earnings? Can I eliminate my future RMD's?
4. I have been putting money into my 401k and IRA for years, tax deferred - what are the consequences? What options do I have? When do I have to pay the IRS?
5. I hear having a "River" of money better than a "Pile" of money in retirement? - What does that even mean?
6. I hear about "Sequence of Returns" in retirement. What does that mean? Will that affect my monthly distributions? Can it wipe out my accounts?
7. Sometimes I hear Annuities are a bad choice. Why, don't they guarantee income? Aren't Pensions and Social Security just Annuities?
8. Why is it important to have your estimated lifetime monthly expenses "guaranteed" to be paid?
9. I hear Long Term Care insurance is really expensive - is it worth it? I heard I can multiply my LTC dollars with insurance that will keep me out of a nursing home. What are my options?
10. I don't have a Pension - can I create one for myself? How much will that cost me?
11. I heard something about the new Secure Act 2.0? How does it affect my 401k and IRA rollovers? Why do our kids and spouses have to spend down all the money we leave them in just 10 years?
Won't that increase the income they have to report to the IRS? Will they have to pay more taxes?
12. I hear a lot about guaranteed lifetime income, can I actually insure my retirement income forever? What about my spouse?
13. Why are some Financial Firms safer than others? Just how do they protect my money...or do they?
14. I haven't spoken with my Financial Adviser for years. How often should I be talking to my Advisor?
15. Are Non-Qualified funds better than Qualified funds for setting up Long Term Care?
16. Can I move my 401k, 403b or IRA and put them into something that doesn’t tax me for taking my own money out?
17. What will happen to me and my family if one of us becomes incapacitated? Is there planning that should be done beforehand? Who can make financial decisions for me something bad happens? What if I'm still alive but can't make financial or medical decisions for myself? Will my family have to go to court to protect our assets? What does "Guardianship" mean? - What does "Conservatorship" mean?
18. Is Estate Planning just for the wealthy? What kind of fees should I be paying for Estate Planning?
19. Will life insurance help my family avoid probate? Are there forms I can file now to protect my assets later?
20. How badly is debt hurting my future financial plans? Should I pay off my mortgage?
21. How does my physical fitness affect my financial future?
22. I hear a lot of promises out there. I only have so much saved, what can I reasonably expect to accomplish in my particular situation?
23. I hear my biggest expense in retirement is going to be Taxes, is that true?
These are just a few of the topic we cover on a regular, one to one basis with our clients.
Each clients individual situation is unique. Our goal is to guide you on your road to a successful financial future.
We want to spend time getting to know you, your financial goals and explore the options you have open for achieving those goals. Working with us, you will know why any option was selected, the pros and cons of that option and how that option benefits you and your family now and in the future.
We know from experience, our best clients are our most educated clients!
Please subscribe to our contact list for more informational articles and videos to help you plan your everchanging road to success!