Have you had an IRA or a 401(k)
Check Up Lately?
Are you looking for Ways to Turn Years of Accumulated Savings in 401(k) Plans and IRAs into Reliable Streams of Income Without Suffering Stock-Market Upsets?
Sure, everyone wants to see their retirement plan grow by leaps and bounds. But nobody wants to see a life’s worth of work disappear in a “market correction”.
You’ve seen it happen once in the past several years…trillions of dollars disappeared virtually overnight... much of that was retirement money.
We are a hair’s breadth away from a significant rise in interest rates, which always created an adverse effect on the stock market. In addition, during a presidential year nearly anything can happen, and next year (depending on who wins) could be even worse…
Along with many residents, you many have an IRA (Individual Retirement Account).
A common misconception among many IRA owners is that their IRAs must remain where they are, invested as they are.
Yet this is not the case. Actually, nothing could be further from the truth. That’s where the 401(K) or IRA rollover, Roth IRA rollover or Simple IRA rollover rule comes in.
You have complete control over your IRA account and where you want to invest these retirement funds. If you are unhappy with your IRA’s current rate of return or the service you are receiving from your agent there may never be a better time to move it. Your IRA can be transferred from where it is currently being invested to another provider without penalty or having to pay any income tax, as long as the funds remain in an IRA qualified investment- including a Roth IRA rollover, Simple IRA rollover or a Direct Transfer.
Keep in mind, there are many products some you may not know about that can be a safe and secure alternative to other IRA choices and may pay interest rates that are higher than most bank CD’s, Savings Accounts or Money Market Funds.
If your IRA is currently invested in the Stock Market and you are concerned about the risk of your funds, there are alternative products are a great way to guarantee your principal while still having the opportunity for growth.
If you have an annuity that is NOT performing well or has surpassed the surrender period you may be eligible for a 1035 exchange that may give you a higher interest rate guarantee. (A 1035 exchange also avoids taxation, continuing tax deferral).
With today’s Stock Market conditions, protecting your retirement funds while still maintaining a competitive return on your IRA is more important than ever.
HBW Robertson & Associates offers products that can grow your IRA funds without the risk associated with the stock market. In addition the rates we offer may be substantially higher then are generally obtainable from Bank CDs, Saving Accounts or Money Market Funds!
Here at HBW Robertson & Associates we offer a free IRA Check Up service to all IRA, 401(k), 403(b), 457, CD, Saving Accounts, or Money Market Fund owners.
A licensed financial professional who lives and works in your community will be glad to examine your current IRA and let you know how it compares to newer IRA options on the market at no cost to you!
We welcome you to take advantage of this free service to find out how we may be able to help you and your family increase your retirement income benefits.
Contact Us to get your professional IRA or 401(k) Check Up at no cost or obligation.
