3 Fatal Errors to Watch For in your IRA/401k Accounts. Mutual Funds or ETFs? How do you know if they are the Titanic of the future or if they will give you your own Border Wall against fees in your portfolio? Come get a hands-on education for beginners to advanced investors on” investing during volatile times” and lowering fees ! How to legally eliminate taking Required Minimum Distributions (RMD) at age 70 1/2 and beyond. Do you own an IRA and a Living Trust? IRS Publication 590 addresses the risks inherent with this flawed and over-used strategy. Our highly qualified and licensed team of fiduciaries will help you make sense of these complicated rules. Have you been told bonds are “conservative?” Come see in person why owning bonds during the coming “Trump Bump” may actually put your retirement savings in harm’s way.

The presenter, speaker and sponsor of this information is a licensed, independent Insurance agent. The presenter, speaker and sponsor of this information (Invitation) as well as the information presented at the seminar is not related to, endorsed by, nor connected with and not approved by any Government agency or organization. Although the seminar is providing information of value for consumers, the seminar is a solicitation for Insurance products such as Medicare supplements, Long Term Care Insurance, Life Insurance, & Annuities.

3 Fatal Errors to Watch For in your IRA/401k Accounts. Mutual Funds or ETFs? How do you know if they are the Titanic of the future or if they will give you your own Border Wall against fees in your portfolio? Come get a hands-on education for beginners to advanced investors on” investing during volatile times” and lowering fees ! How to legally eliminate taking Required Minimum Distributions (RMD) at age 70 1/2 and beyond. Do you own an IRA and a Living Trust? IRS Publication 590 addresses the risks inherent with this flawed and over-used strategy. Our highly qualified and licensed team of fiduciaries will help you make sense of these complicated rules. Have you been told bonds are “conservative?” Come see in person why owning bonds during the coming “Trump Bump” may actually put your retirement savings in harm’s way.

The presenter, speaker and sponsor of this information is a licensed, independent Insurance agent. The presenter, speaker and sponsor of this information (Invitation) as well as the information presented at the seminar is not related to, endorsed by, nor connected with and not approved by any Government agency or organization. Although the seminar is providing information of value for consumers, the seminar is a solicitation for Insurance products such as Medicare supplements, Long Term Care Insurance, Life Insurance, & Annuities.

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and President Trump’s plans for our country. If you are like many Americans, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our fiduciaries’ qualifications include a Certified Estate Planner, a Published Author and have been Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News, and appeared on Fox 35 “Money Watch” over 30 times. Senior Financial has served their clientele here over 27 years. Our speakers will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and President Trump’s plans for our country. If you are like many Americans, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our speaker, Jean A. Dorrell, a Certified Estate Planner, is a Published Author and has been Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News, and has appeared on Fox 35 “Money Watch” over 30 times as The Smart Money Gal. Jean is a four year Villages resident and has served her clientele here over 26 years. Daniel Quirk, President of Bucket List Wealth Management, and Jean will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

This is a MUST seminar for Retirees who have previously planned to live on their investment income, annuities and IRAs. This is also a MUST if you are a Widow, Widower or Single Retiree.
We specialize in Estate, Financial and Tax Planning for Singles!

What is “Trump-onomics?” What are the potential impacts to the markets and your tax return? Mutual funds are The Titanic of flawed investments and why your advisor will never educate you about them, don’t be the last one off a sinking ship! How to legally eliminate taking Required Minimum Distributions (RMD) at age 70 1/2 and beyond. Do you own an IRA and a Living Trust? IRS Publication 590 addresses the risks inherent with this flawed and over-used strategy. Our highly qualified and licensed team of fiduciaries will help you make sense of these complicated rules. Are you concerned about the upcoming Bond Bear Market and its effect on your retirement? Come see in person why owning bonds during the coming “Trump Bump” may actually put your retirement savings in harm’s way.

The presenter, speaker and sponsor of this information is a licensed, independent Insurance agent. The presenter, speaker and sponsor of this information (Invitation) as well as the information presented at the seminar is not related to, endorsed by, nor connected with and not approved by any Government agency or organization. Although the seminar is providing information of value for consumers, the seminar is a solicitation for Insurance products such as Medicare supplements, Long Term Care Insurance, Life Insurance, & Annuities.

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and President Trump’s plans for our country. If you are like many Americans, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our speaker, Jean A. Dorrell, a Certified Estate Planner, is a Published Author and has been Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News, and has appeared on Fox 35 “Money Watch” over 30 times as The Smart Money Gal. Jean is a four year Villages resident and has served her clientele here over 26 years. Daniel Quirk, President of Bucket List Wealth Management, and Jean will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

This is a MUST seminar for Retirees who have previously planned to live on their investment income, annuities and IRAs. This is also a MUST if you are a Widow, Widower or Single Retiree.
We specialize in Estate, Financial and Tax Planning for Singles!

What is “Trump-onomics?” What are the potential impacts to the markets and your tax return? Mutual funds are The Titanic of flawed investments and why your advisor will never educate you about them, don’t be the last one off a sinking ship! How to legally eliminate taking Required Minimum Distributions (RMD) at age 70 1/2 and beyond. Do you own an IRA and a Living Trust? IRS Publication 590 addresses the risks inherent with this flawed and over-used strategy. Our highly qualified and licensed team of fiduciaries will help you make sense of these complicated rules. Are you concerned about the upcoming Bond Bear Market and its effect on your retirement? Come see in person why owning bonds during the coming “Trump Bump” may actually put your retirement savings in harm’s way.

The presenter, speaker and sponsor of this information is a licensed, independent Insurance agent. The presenter, speaker and sponsor of this information (Invitation) as well as the information presented at the seminar is not related to, endorsed by, nor connected with and not approved by any Government agency or organization. Although the seminar is providing information of value for consumers, the seminar is a solicitation for Insurance products such as Medicare supplements, Long Term Care Insurance, Life Insurance, & Annuities.

 

 

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and Congress’ plans for our country. If you are like many American women, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our speakers include Jean A. Dorrell, a Certified Estate Planner, a Published Author and Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News. Jean appeared on Fox 35 “Money Watch” over 30 times as The Smart Money Gal. Jean is a Villager herself and has served her clientele here for over 28 years. Jean will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

This is a MUST seminar for Retirees who have previously planned to live on their investment income, annuities and IRAs. This is also a MUST if you are a Widow or Single Retiree. We specialize in Estate, Financial and Tax Planning for Singles and Divorcees, too!  

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and Congress’ plans for our country. If you are like many American women, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our speakers include Jean A. Dorrell, a Certified Estate Planner, a Published Author and Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News. Jean appeared on Fox 35 “Money Watch” over 30 times as The Smart Money Gal. Jean is a Villager herself and has served her clientele here for over 28 years. Jean will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

This is a MUST seminar for Retirees who have previously planned to live on their investment income, annuities and IRAs. This is also a MUST if you are a Widow or Single Retiree. We specialize in Estate, Financial and Tax Planning for Singles and Divorcees, too!  

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and Congress’ plans for our country. If you are like many American women, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our speakers include Jean A. Dorrell, a Certified Estate Planner, a Published Author and Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News. Jean appeared on Fox 35 “Money Watch” over 30 times as The Smart Money Gal. Jean is a Villager herself and has served her clientele here for over 28 years. Jean will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

This is a MUST seminar for Retirees who have previously planned to live on their investment income, annuities and IRAs. This is also a MUST if you are a Widow or Single Retiree. We specialize in Estate, Financial and Tax Planning for Singles and Divorcees, too!  

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and President Trump’s plans for our country. If you are like many Americans, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our speakers include Jean A. Dorrell, Certified Estate Planner, a Published Author and Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News, appeared on Fox 35 “Money Watch” over 30 times as The Smart Money Gal. Jean is a seven year Villages resident and has served her clientele here over 28 years. Jean will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

It is tough to imagine a retirement in which you don’t have to worry about the stock market, the evening news, global uncertainty and President Trump’s plans for our country. If you are like many Americans, you are very concerned about these critical issues and the impact they could potentially have on you and your retirement. Our speakers include Jean A. Dorrell, Certified Estate Planner, a Published Author and Nationally Interviewed on CNBC’s Squawk on the Street, Yahoo! Finance, Kiplinger’s and Fox Business Daily News, appeared on Fox 35 “Money Watch” over 30 times as The Smart Money Gal. Jean is a seven year Villages resident and has served her clientele here over 28 years. Jean will inform you about recent changes in Federal and State laws which allow the government to tax up to 70% of your IRAs.

Are you ready for some spooktacular fun?
Jean Dorrell is hosting everyone!
 

Come enjoy food, drinks, and dancing on Halloween night
With a costume contest and prizes for even more delight!

You’re invited to come party with the Senior Financial crew!
It’s our way of saying thanks for all that you do!

Time:	5:00-7:00pm
Location:	American Legion 699 W Lady Lake Blvd. Lady Lake, FL 32159

Please RSVP by Monday, October 21st
Call 352-307-8652 or email Jessica@senfinancial.com 

A BIT OF BACKGROUND: During our years of working as retirement planners, we’ve found the two most important things a retiree worries about are: 1) outliving their money (which is why we focus on crafting durable income plans for our clients) and 2) their health insurance-they want to make sure they are covered for a catastrophic health event. They don’t want to exhaust their savings to pay for such things as bypass surgery, chemotherapy treatments, kidney disease and dialysis, or you name it. It’s understandable because any of these things can wipe out a retirement account. 

 

When it comes to health insurance, most people are not covered by a group or government insurance plan like Tri-Care, so they have really only two options:  

1) MEDICARE ADVANTAGE:You apply for this coverage between October 7 and December 7. This insurance has very low premiums and, in some cases, no premium at all. We are not big fans of this type of coverage. Why? Because you get what you pay for; you are restricted to a network of doctors and a network of hospitals like an HMO. If your doctor or hospital isn’t on the list, too bad. You’re going to also have an out of pocket expense of up to $5,000 per year and potentially a lot of co-payments (which is one reason why they have low premiums).

 

2) MEDICARE SUPPLEMENTS:You can apply for this insurance any time of the year. This is private insurance with a reasonable premium, of which the insurance company pays the total bill, for all Part A and Part B Medicare expenses that are approved by Medicare. The most common Medigap plans are F, G, and N, and the beauty is that with these plans you can choose any doctor in the country, any surgeon, any hospital, any urgent care. Plus, if you own plan F, you will pay your premium between $125-$300 per month, and that’s it. Even if your bill is $100,000 between the hospital and doctor, plan F covers the total bill; not a penny out of your pocket except for your monthly premiums.

A BIT OF BACKGROUND: During our years of working as retirement planners, we’ve found the two most important things a retiree worries about are: 1) outliving their money (which is why we focus on crafting durable income plans for our clients) and 2) their health insurance-they want to make sure they are covered for a catastrophic health event. They don’t want to exhaust their savings to pay for such things as bypass surgery, chemotherapy treatments, kidney disease and dialysis, or you name it. It’s understandable because any of these things can wipe out a retirement account. 

 

When it comes to health insurance, most people are not covered by a group or government insurance plan like Tri-Care, so they have really only two options:  

1) MEDICARE ADVANTAGE:You apply for this coverage between October 7 and December 7. This insurance has very low premiums and, in some cases, no premium at all. We are not big fans of this type of coverage. Why? Because you get what you pay for; you are restricted to a network of doctors and a network of hospitals like an HMO. If your doctor or hospital isn’t on the list, too bad. You’re going to also have an out of pocket expense of up to $5,000 per year and potentially a lot of co-payments (which is one reason why they have low premiums).

 

2) MEDICARE SUPPLEMENTS:You can apply for this insurance any time of the year. This is private insurance with a reasonable premium, of which the insurance company pays the total bill, for all Part A and Part B Medicare expenses that are approved by Medicare. The most common Medigap plans are F, G, and N, and the beauty is that with these plans you can choose any doctor in the country, any surgeon, any hospital, any urgent care. Plus, if you own plan F, you will pay your premium between $125-$300 per month, and that’s it. Even if your bill is $100,000 between the hospital and doctor, plan F covers the total bill; not a penny out of your pocket except for your monthly premiums.