Lifeguard Financial

Why The Right Annuities Are Good Investments For Seniors

lusonmedia — Thu, 08 May 2025 20:41:22 +0000

Many articles have been written about why seniors should not own annuities. Those articles are only partially correct. There are a few annuities that ARE good investments for seniors. They do not contain high annual fees, will not lose money and they grow every year even in down markets. Some even guarantee a set rate for a specified time, just like a bank CD or IRA. This type of annuity can be an excellent investment for seniors looking for higher interest rates than banks offer.

They offer tax shelters, more liquidity than a CD, avoid probate, compound interest, and can never lose the annual gains. There are no surrender charges upon death. It’s a great way to transfer more wealth to heirs. However: Just like there are bad stocks, bonds and mutual funds, there are bad annuities. But there are many good ones. Some of the inferior annuities are offered by very well known insurance companies.

One big mistake seniors make when investing in an annuity is investing because they feel secure because of the name of the insurance company or bank. They don’t understand what they own, but feel safe. Of course, you need a financially strong company, but you also need a good annuity, too. An independent consultant or advisor with integrity can screen these for you and recommend the best one for your situation. And he or she can tell you if it is not good and why.

• An annuity portfolio provides seniors with a special peace of mind. It provides substantial guaranteed growth without generating annual 1099s. Each year the growth of annuities is credited, locked in, and protected by the legal reserve system of America’s Insurance companies.

• Unlike variable annuities, a better type of annuity bears no administrative fees, no annual maintenance fees, no upkeep expenses, no buy or sell expenses, no management of assets, no people to manage assets.

• An annuity is protected for you, your spouse, children and grandchildren from bankruptcy, creditor’s claims and lawsuits that may arise in your estate when you are no longer there to defend it.

• Unlike the stock market, you do not have to worry about which way the market is moving. You do not have to know when to cash out for a gain, nor do you have to know when to sell and cut losses. You have a no-loss guarantee. Your principal is protected.

• Insurance companies have the legally required reserves and the financial strength to provide the ironclad guarantees of annuities. You may find that there are more safeguards in place than you have with a CD.

You too can have that special peace of mind with the right annuities. If you have an annuity that you are unhappy with or would like to know exactly how yours works, whether it is good and safe or bad and risky, call Lifeguard Financial at 1-440-942-1936 today.

If it is one of the bad ones, wouldn’t you want to know now? Make it a point to call us at 440-942-1936 now with your annuity company’s name. We’ll give you the facts.

STEPS TO MAKING YOUR RETIREMENT LAST

The prospect of outliving the assets in a retirement portfolio is a concern for many retirees and pre-retirees. You may be facing a fixed retirement date that has been chosen for you rather than a date you can control.

Today, retirees are living longer and are finding it challenging to grow their portfolios in today’s challenging markets. Volatile investments, low fixed rates, and uncertainties about taxes have a huge impact on the investment decisions of today’s seniors.

Some investors think that making monthly withdrawals from their nest egg is the best and only way to provide income during retirement. But this strategy comes with serious and sometimes unforeseen financial consequences. To avoid this, you must design a reliable way to receive income.

As you approach your prospective retirement date, it’s certainly best to develop an efficient plan long before the date arrives. However, it’s not too late for those who have already begun retirement to take advantage of some of these strategies:

Start with having funds available in a safe and liquid vehicle. Having too much on hand means your money is not working hard enough for you. To help create a viable income stream, excess funds beyond what you may need for everyday expenses and emergencies should be placed in tax-efficient investments such as tax-free bonds or the right annuities.

Be cautious when looking to generate income from long-term bond funds. Advisors warn against this because when interest rates rise, prices fall and the principal amount suffers a loss. Last month The Wall Street Journal stated that “so-called safe assets are paradoxically not safe right now.”

Inflation

Historically, inflation has increased at a rate of around 3.2% per year. However, in light of today’s tumultuous political landscape, a sudden and significant increase in inflation is entirely possible. Ignoring this possibility could have a severe impact on both your income and investment portfolio in the years ahead. Diversifying your portfolio that includes multiple types of investments is a good way to combat inflation and help protect your assets against an unexpected increase.

Know Your Expenses

The easiest way to track expenses is to simply write down what you spend monthly on things like health care, insurances, mortgages, transportation, taxes, utilities, food, etc. Try to include absolutely everything and then factor in a little more to this amount for the unexpected.

The next step is to calculate your total monthly income including anything you receive from social security, pension(s), dividends, IRA required minimum distributions, etc.

Once you subtract the total amount of projected expenses from the total amount of income, check to see if a deficit would be created in the event that a spouse would pass away and the income they are receiving is lost. If so, it is imperative that you prepare by establishing a longevity income plan now for the surviving spouse.

In closing, only you can control your spending, but Lifeguard Financial can help you reduce fees, control the amount of risk your investments are exposed to, and show you any available ways to lower taxes. When those four factors are under control, you don’t have to earn as much on your investments to experience growth in your portfolio. The key is to carve out a portion of your money and designate it for longevity retirement income for you and your spouse.

If you need assistance, please contact Lifeguard Financial today at 1-800-942-1936 to schedule a free, no-obligation consultation.

The post Why The Right Annuities Are Good Investments For Seniors appeared first on Lifeguard Financial.

Financial Tips For Widows

lusonmedia — Thu, 08 May 2025 20:38:57 +0000

In some cases, there are senior women who know little about how to manage their finances and younger married women with careers are often surprisingly uninformed on the basics of finances such as investing, tracking paperwork, handling debt etc. When their husbands die, these women are often completely in the dark. As a result, they make decisions that are not in their best interest. This trend is particularly distressing, since widows make up 11 % of the adult female population in the U.S and 45% of married women are widowed by age sixty-five.

How do you get everything organized? Many widows do not know where everything

is located when their husbands die. If your husband is alive, take the time to ask questions, and review his record keeping system. Whether you are married or widowed, set aside an area of the house for this material and buy a file cabinet. In one file drawer put everything that relates to the estate … his assets, military facts, his Social Security information, his pension and profit sharing plan. Keep the estate-related files completely separate until all bills and taxes are paid and assets are distributed. As these obligations are settled, move the file from estate drawer to your personal drawer

Is there anything that a widow can do to keep up with such information regularly? Frankly, use a trustworthy investment consultant. The consultant reviews the overall financial situation at least once a year, and probably does it every quarter. A responsible specialist will make sure all records and information are in good order and are promptly made available to a surviving spouse.

Can a widow make wrong spending decisions as well as wrong investment decisions? Yes, especially if a lot of money seems to be coming from all directions from life insurance, the company pension plan, Social Security, stock investments, etc. There are serious consequences for taking the wrong action. Make sure you gather all the information and have discussed it with someone you trust.

How do you wind up an estate? You don’t have to retain the same lawyer who drew up the Trust or Will, unless the will makes that lawyer the executor of the estate. You can ask for help from another lawyer. Some widows even do it themselves-going down to probate court and find out what they need to file and how to do it. But if you do it yourself, you have to be careful to follow all steps correctly.

For a consultation on your estate or financial situation, call Lifeguard Financial today at {440) 942-1936 and receive a free organization kit.

RESETTING FINANCIAL GOALS

I. Assess Your Current Financial Situation And Objectives

❖ How aggressive or conservative do you now want to be?

❖ How much time until money is needed for income or purchase?

❖ Consider your age.

❖ Do you need tax favored investments?

❖ Understand or research how different investment vehicles work, their risk level and cost. (Stocks, Bonds, Mutual Funds, Annuities, REITS, etc.)

II. Develop A Strategy In Order To Reach Your Goals

❖ Diversify, don’t duplicate.

❖ Monitor your progress regularly – at least monthly and keep a log.

❖ Create or adjust a savings or investment plan. (Save more, spend less)

❖ Plan for the unexpected. Reduction in S.S., loss of spousal income, loss of employment, critical illness)

❖ Revise your budget every December for the approaching year.

❖ Clear up debt – pay off highest interest rates first, pay mortgage bi-monthly, use charge card only if you can pay the bill in full when it comes.

❖ Maximize work Retirement plans and save more on your own – 10% to 15% of gross pay every paycheck without exception. If your gross income is too high, (Phase-out of Roth Contribution eligibility is $169,000-$179,000 for Joint and $107,000-$122,000 for Single) you cannot contribute to a ROTH IRA, but a traditional IRA is available. And be sure to adjust your 401(k) investments to current market conditions. Letting it ride until Retirement could have consequences, especially as you get closer to retiring.

❖ Set realistic expectations in these current financial and economic times. Cut losses sooner.

Ill. Select Or Changing Advisors

❖ You don’t have to do it alone, seek out a reputable advisor who listens versus dictates, who can create a simpler plan, is 100% transparent on fees, and can assist you with your financial, estate and tax concerns (either within his firm or with affiliates.) Before you commit, ask to see his/her plan for you in writing.

❖ Get a second opinion when you are unhappy with (lack of) service or results. Don’t stay “frozen.” With change comes improvement.

❖ If you are an “orphaned” investor, (have not heard from an agent or advisor) maybe your investments are not in line with your risk level/goals or your annuities are past maturity. Find an advisor for guidance.

IV. In Conclusion

❖ Both spouses should be involved in the investment plan. When one passes away, the transition is seamless and the widow/widower is less likely to be taken advantage of by an unethical Broker, Banker, Advisor, or insurance agent. Sit in on meetings – take notes.

❖ Be sure an executor (child’?) knows where to find car and home titles, policies, statements, social security numbers, military records, etc. Dollar amounts

aren’t necessary if you want to keep it undisclosed. Location of documents is important.

❖ Don’t underestimate the importance of a life insurance review for the benefit of your spouse, children or grandchildren. You’ll pass more money tax free to them than you will through investments.

❖ Get organized –

• Clip/file articles of interest

• Read Kiplinger, Google topics

• Setup a notebook with dividers for statements

• Write down on your calendar consistent dates to check your investments (Last Friday of every week or month, 1st Monday of every week or month.)

❖ Strive for modest progress and stay pro-active (instead of passive) in monitoring your plan and make or insist changes when you feel it’s needed.

❖ Identify and change your BAD HABITS, replace with good habits.

❖ Establish a plan that will pass the most money to your heirs and minimize or eliminate unnecessary taxation. Read, Read, Read. Visit our website at

www.lifeguardfinancial.com for a list of valuable financial resources, books and websites. You need more than Suze Orman & Cramer (They’re infomercials selling books, CD’s, etc.) Bypass them to get objective advice.

❖ Lottery tickets are not the answer. Money management is a lifetime responsibility. It is a Journey; there are no quick fixes.

❖ The best time for a financial tune up and to get going is … TODAY!

If it seems overwhelming or you need assistance, please call Lifeguard Financial. We will help you create a plan, keep you on track, and educate you along the way.

Best Wishes!

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Don’t Wait To Plan For Your Retirement

lusonmedia — Thu, 08 May 2025 17:46:51 +0000

ANTHONY T. NEWMAN, PRESIDENT

You’ve been looking forward to this day for a long time. You want to travel, golf, spend winters in warm weather, see your children and grandchildren more often, volunteer, or start a second career.

You should create your retirement financial plan long before you turn in your notice by teaming with an experienced retirement planner. There’s much more to retirement than accumulating money, retiring, and leaving it invested with the company that your employer chose for your retirement plan.

Uninformed retirees continually make many common mistakes; selecting the wrong lifetime income option, retiring because of years of service or at a certain age, leaving money behind invested in their employer’s 401(k) or 403(b), taking income from the wrong investment accounts, and missing out on extra money from Social Security by making the wrong selection are just a few. The result of their mistakes is loss of control, running out of money in retirement, large financial setbacks, unnecessary taxation, paying above-average fees, and losing a lot of money when the market collapses.

Special considerations and thoughtful planning should take place years in advance. There are many bankers, brokers, and advisors to choose from, but which one is for you? A representative from your company’s retirement plan? Your banker? A referral? Keep in mind that retirement planning starts with this important decision. The wrong choice can be financially detrimental.

If your advisor buys and sells stocks, bonds, and variable annuities, you’ll need more than these services in order to grow and protect your assets. Would you go into a casino with your retirement money? Nobody can predict what the stock market is going to do. Advice without guarantees is dangerous territory. Choosing a firm because you’re familiar with its name and not understanding what you’re actually getting into is another big mistake! Retirement planning is more than taking chances in the stock market and receiving a monthly Social Security or pension check.

Your retirement plan should include: A mix of investments that are in line with your risk level, not your broker’s, a proven strategy to minimize market losses, a way to provide for costly critical care in your golden years, assure your money will last as long as you live, statistics on all of the many Social Security options so youget the most money, giving you the highest monthly income for life from the right investments, creating a replacement income strategy today for when your spouse dies and income is lost, making sure that you have primary and backup (contingent) beneficiaries on all accounts, how to avoid probate, a way to generate as much tax-free income as possible, a distribution plan in place to avoid large taxation upon death, provide money for life for your children and grandchildren, examining the importance of the right life insurance policy for your needs, and information of the advantages of doing an in-service rollover now (while employed) for a portion of your retirement plan funds.

Many of these important money management services are not provided by your banker, broker or captive advisor. This is not their field of expertise (remember they sell stocks, bonds, mutual funds, and variable annuities) because creating an extensive retirement plan doesn’t pay commissions or fees. The more risk you take by staying invested in the stock market after retirement, the more advisors stand to make. Some charge fees or commissions and get paid when you sell and get paid again when you buy! And when your account loses money, you get excuses. There are many opinions and perspectives on retirement planning, but there is only one way to do it right. At Lifeguard Financial, we use a disciplined and conservative approach to help you establish a solid retirement plan based on protecting your assets so that you can enjoy financial peace of mind. We give you many choices, but keep you from making perilous decisions. We simply serve the interests of each and every client at all times. Our goal is to prove to you that we are the last advisors that you will ever need.

Assembling a better plan and receiving honest advice is a good start. It’s what you do today with what you have that will secure your financial future in the years ahead. Is it time for a second opinion, a financial tune up, or time to get going on yourretirement plan? Call Lifeguard Financial at 440-942-1936 to schedule a convenient date and time to discuss your current situation and concerns. You’ll receive insight and facts that will help you make good decisions. You’ll also receive a complimentary copy of my new book “There’s a Crack in Your Nest Egg” – an owner’s manual for retirement planning.

Let’s get started! Call us today at (440) 942-1936. There is no obligation or fee for your financial review.

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Women & Investing

lusonmedia — Thu, 08 May 2025 17:45:55 +0000

ANTHONY T. NEWMAN, PRESIDENT

Over the years I have met with two types of women investors: those that ignore the importance of being involved in the financial decisions with their spouse or feel they do not have the knowledge or interest to learn about investing. Therefore they leave all the decisions to their spouse (if married) or their advisors (if single, widowed or divorced). The second type are those that take a vested interest in their finances, are focused, goal oriented and make good investment decisions.

Just over 75% of women are widowed at an average age of 56 and less than 15% of women who are married feel responsible for planning retirement. Married women must plan as if they will be on their own someday. Make sure you have credit card in your name and that your name is on all investments accounts. Manage your finances together, but your future financial success depends on learning to make wise decisions, establishing, writing down and sticking to goals that are within your comfort zone of risk.

Widows must reassess their financial matters. For some women, divorce often results in not having a handle on their finances and feeling overwhelmed, while other women find themselves in an acceptable financial circumstance.

Improvement comes with change not chance. If your plan is not working, you have been given inappropriate advice or the service you receive is unacceptable, move on – the sooner the better. The best way to secure your future and your children’s inheritance is to take action.

Finding a reputable, trustworthy advisor can relieve the stress of money management. A few of the mistakes women make are being convinced to take too much risk, complacency, procrastinating, and not making an effort to learn and ask questions. Be prepared to change advisors if your objectives are overlooked.

For a no-obligation portfolio review call Lifeguard Financial today at 1-800-942-1936. There is no pressure or fee. It doesn’t take much to simplify and improve a financial plan.

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Financial Tips For Seniors

lusonmedia — Thu, 08 May 2025 14:35:38 +0000

ANTHONY T. NEWMAN, PRESIDENT

Retirement marks an important life transition – and a big financial milestone. As a result, seniors have unique financial planning needs. The goal is to maximize your savings so you can live well today and leave a legacy that’s aligned with your values. In that spirit, here are seven helpful financial planning tips for seniors.

Update Your Financial Goals: Your financial goals_will probably look different when you’re no longer working. During this phase of your life, you may want to travel, downsize, relocate to a different state, explore new hobbies and/or provide financial support to your children or grandchildren.

The first step is to clarify your financial goals and estimate how much each one will cost. You should make a plan for drawing on your nest egg in the most efficient way possible.

Clarify Your Costs: Most seniors are on a fixed income, that’s why it’s important to know your expenses. There are essential costs that include your rent or mortgage, insurances, taxes, utilities, gas and debt. Then there is discretionary spending. These are extras like eating out, shopping, golfing, traveling and other nonessential costs. Keep in mind that the expenses may increase in retirement, such as housing, and medical costs (more on this below).

Plan for Health Care Expenses: According to Fidelity Investments, the average 65-year-old retired couple could need roughly $315,000 for health care costs in retirement. Medicare, available for folks who are 65 and older, doesn’t cover everything. Seniors are still on the hook for premiums, deductibles, copays and other out-of-pocket costs. Your expenses will likely be higher if you retire before you’re eligible for Medicare. Long-term care, if needed could also amount to a big expense or loss of assets.

Manage Your Budget: Budgeting_is always important, especially if you’re on a fixed income. List all your income sources like: 40l(k)’s, Social Security, IRA’s, 403(b)’s, annuities, pensions, cash and stock dividends. You’ll want to be strategic about how you draw on your savings, as it could create a significant tax bill. In terms of day-to-day spending, you can look for senior discounts on car insurance, travel, groceries, restaurants, trips to the movies and more.

Don’t Forget About Taxes: If you pull money from a tax-deferred retirement account, like a 40l(k), 403(b) or traditional IRA, it’s considered taxable income – and taking large distributions could trigger a substantial tax liability and could even push you into a higher tax_bracket.

Withdrawing from the right investments can help you keep more of your hardearned money. That might mean combining funds from a few accounts. Keep in mind that you’ll need to start taking required minimal distributions (RMD’s) beginning at age 73. So yow· income plan will need to be modified. Work with an advisor who does more than invest money. Find one who helps you create a tax-free plan.

Update Your Estate Plan: Estate planning involves organizing your assets and making a plan for how you’ll distribute them after you’re gone. Establish or update your will: These are an absolute must. Create both a health power and financial power of attorney: This allows you to appoint someone else to make medical and health care decisions on your behalf if you become unable to advocate for yourself. Establish a trust: This can help your loved ones avoid probate delays and high costs. You can also distribute trust assets during your lifetime if you choose. A trust will protect your assets from creditors, keep your information private and preserve family harmony so heirs won’t fight over their inheritance.

Avoid Scams That Target Seniors: There’s an abundance of scammers who go after seniors – and fraud losses can be especially devastating to seniors. The average victim of elder fraud senior scams lost over $33,900 according to the FBI. Many of these scams involve an impersonator who pretends to be someone the victim trusts.

Never share your personal information, especially with someone who

contacts you saying they’re a government official or bank representative.

They always have a sense of urgency. Set up multiple codes, passwords

and security questions that only you know.

• If you ‘re suspicious about a phone call, take some time before responding or don’t answer. Block the caller’s number. Contacting a friend or family member can help you assess the situation.

• If you’re tricked into giving money to a scammer, report the fraud to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov. You can also check out the identity theft protection from Experian, which monitors your credit reports for possible identity theft and alerts you of suspicious activity.

In Conclusion

Financial planning doesn’t end when you retire. Budgeting, investing the right way, paying taxes and financial objectives are lifelong habits. Seniors have unique planning needs that may necessitate the help of a financial professional who specializes in working with seniors.

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What Experienced Investors Have Learned

lusonmedia — Fri, 01 Sep 2023 16:54:26 +0000

Over the years investors have made mistakes with their investment choices. The following are “Pearls of Wisdom.”

A big mistake is taking investment advice from people who are not qualified to give it (neighbors, accountants, attorneys). Get financial advice only from the professionals who devote their lives to it.
The biggest mistakes you can make with your money are neglect, procrastination and being complacent. Many people need motivation. Those that accept change will do better.
You make money by using your brain and lose it by listening to your heart. Cut your losses quickly on ventures where you have been wrong.
The true secret of successful investing is knowing which ones to avoid.
Every year evaluate and reset your goals.
Markets change continuously and so must you. What worked in the past may very well not work this year. Accept change.
Find a company that focuses on what matters to you, not what they must sell you.
You can’t be sentimental about your investments and make money from them.
If you aren’t clever enough at selling stocks, you’ll soon see your profits turn into losses. When in doubt, get out!
Love your spouse, your children, but don’t love your stocks. There is no guarantee they will be good to you in the future. The stock doesn’t know you own it. It’s a piece of paper.
Conservative investors sleep well.
Hire an advisor who does the right thing and does things right.
The individual who acts now, not later, is the one who ends up with more money.
None of the secrets of success work unless you get going.
Financial prosperity is the result of good planning.
Every morning I get up and look through the Forbes list of richest people in America. If I’m not there, I go to work.

In need of a good plan? Call Lifeguard Financial to get and stay on track.

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What is the Difference Between an Index Annuity and a Variable Annuity?

lusonmedia — Wed, 19 Jul 2023 17:58:00 +0000

An annuity is a contract or deposit with an insurance company that comes with many benefits including tax-deferral for non IRA money which reduces annual taxes. For IRA money the funds are already tax-deferred. An annuity can be used for Roth IRA’s, 401k’s, 403b’s, IRA’s or non-IRA Money. Annuities also avoid probate.

Index Annuity – Your principal is protected from losses, there is no fee, you don’t pay taxes until money is withdrawn which allows your money to earn more interest. There are minimum interest rate guarantees, the account only goes up, never down and there are free withdrawals.

There are additional optional benefits available, some with and without a fee. These include a large guaranteed monthly check for life even if the account goes to zero, a large monthly check for long term health care and a large death benefit for a spouse or children. Heirs receive all money in the account upon death. The insurance company does not keep any of it.

The growth depends on how the money is invested with the index funds offered such as: real estate, the S&P 500, NASDAQ, etc. Also available is a fixed rate at that pays 5.25%. You can choose both the fixed rate and index funds and change annually without taxes or fees. Not all index funds offered perform well. Some do, some don’t. Also, investing because you’re familiar with the name of a company or because it’s A rated could be a mistake. Not all insurance companies have the best annuities. It’s knowing what you own that matters most.

Variable Annuity – These offer a variety of professionally managed portfolios called subaccounts that invest in stocks, bonds and balanced investments. However, these subaccounts fluctuate with the market and can lose money.

Your principal can be worth less when you surrender a variable annuity. It has good growth potential but also has risk of losses. They contain many of the benefits of an index annuity but have fees: management fees, fund fees, rider fees, transaction fees, etc., which could range from 1 to 4% annually.

If you own or are considering an annuity, call Lifeguard Financial to receive an Annuity Analyzer Report (400 annuities with 65 insurance companies) and an Annuity Comparison Report that allows you to read the facts and details. You’ll make the right decision using this information.

If you’re unhappy with your current annuity, call us. You may be able to trade up for a much better one now and avoid taxes, fees and penalties. You could earn more interest and save on fees.

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How To Generate Income After Retirement

lusonmedia — Sun, 18 Jun 2023 17:56:00 +0000

Many people that I talk to are worried about generating enough money to maintain their lifestyle after retirement. You have spent your entire life working and saving for retirement, and most likely you put a plan in place to help reach your retirement goals that will generate income in retirement. While you may be steadfast in striving towards your retirement, you may not realize that a proper review of your assets is a huge part of your retirement process and may provide the difference between maintaining your lifestyle after retirement and having to make some adjustments.

Your financial strategies that you used in the past may be outdated. At one time, they probably made sense, but since then, your needs may have changed significantly. At Lifeguard Financial, we will not only point out adjustments you may want to take, but also give you peace of mind – knowing you have the right financial tools for today’s market.

Call us at 440-942-1936 to request your Compass Report, which will help position your assets to create a large amount of monthly income in retirement. You may even be able to retire sooner.

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Your Attorney, Doctor, Dentist and Your Money

lusonmedia — Sun, 28 May 2023 17:55:00 +0000

When it comes to making and keeping an appointment with an attorney, doctor or dentist, most people keep it and are on time. They realize that their estate planning, physical health, and teeth are important. Yet, when it comes to learning about investing, many investors are complacent, procrastinate or cancel that important second opinion.

The Three Little Pigs was not only a fairytale, but it was also a lesson in life. One wise pig took action and was safe. The others … you know what happened. Your brick house is the plan you create to keep you and your money away from what will separate you from your money: rising taxes, more market losses, out living your money, nursing homes, high, hidden fees, taking too much risk, hanging on to losing investments and losing income that is lost when a spouse dies. Those whose future relies solely on stock market returns are like the pigs who did nothing.

No one cares more about your money than you! The best time to have a fresh set of eyes analyze your estate, tax and investment position is now, not later. If you feel that you need a better plan and mix of investments, call Lifeguard Financial today for a complementary second opinion. It won’t take much to get and keep you on track.

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