{"id":57,"date":"2019-01-10T16:41:42","date_gmt":"2019-01-11T00:41:42","guid":{"rendered":"http:\/\/idc-consulting.com\/blog\/?p=57"},"modified":"2019-04-03T22:08:09","modified_gmt":"2019-04-04T06:08:09","slug":"new-personal-finance-consulting","status":"publish","type":"post","link":"https:\/\/idc-consulting.com\/blog\/2019\/01\/new-personal-finance-consulting\/","title":{"rendered":"New Personal Financial Consulting"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Our new Personal Financial Consulting practice is rolling out in April 2019.\u00a0 As an Independent Agent, we will be offering select <strong>Targeted Annuity and Life Insurance<\/strong> products to help our clients take advantage of tax saving strategies while helping to meet their business and personal long-term financial cash flow needs and objectives.\u00a0 This practice unit will operate as <strong>Intelligent Direction Insurance Solutions<\/strong>.  Our Founding Director Mike Johnson will be heading up this practice.\u00a0 We will offer annuity and life insurance products from several different highly rated insurance companies, with the main objective being to help our clients construct a well-designed runway to retirement.  There are many sophisticated business and personal tax strategies that we and our advising business partners will be able to discuss, which may assist in potentially providing more retirement cash flow while also reducing or mitigating some of the common risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mike&#8217;s multi-decade relationships with dozens of CPA\u2019s (and high-end private and public sector clients) identifies him as the clear professional and trusted source to offer annuity and insurance <em>advice with honesty and integrity<\/em>.\u00a0 Our firm will present options to individuals and business owners, and their chosen advisors, on how to best meet and supplement their retirement goals with <strong><em>contractually guaranteed life-long risk-free cash flow<\/em><\/strong>.\u00a0\u00a0 We will <strong><em>not <\/em><\/strong>be selling direct investments in the stock market, managing money, offering mutual funds, selling variable brokerage house annuities or selling high commissioned products from low-rated insurance companies.\u00a0 By not offering these riskier products, it will enable us to focus entirely on offering risk-free positive <em>cash-flow streams and working to mitigate other business and personal financial risks<\/em>.\u00a0 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Increasingly more articles are being published in respected financial publications like Barron\u2019s suggesting that people need to start considering income annuities, deferred income annuities and indexed annuities in order to guarantee safe cash flow in retirement.  For example, several recent articles in Baron&#8217;s have spoken favorably of &#8220;Qualified Longevity Annuity Contracts (QLACs)&#8221; and how they are becoming a popular solution to some of the tax damage inflicted by Retirement Account Required Minimum Distributions (RMDs) that occur at age 70 for many baby boomers.\u00a0 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Unpredictable and erratic<\/em> stock market investments, combined with low interest rate bearing bonds, CD\u2019s and treasuries are leading people to focus more on the predictability and higher returns offered by annuity and life insurance contracts.\u00a0 The search for higher returns has made future retirees more vulnerable to risk as they try to move up the yield ladder.\u00a0 The US Government itself, in recognizing the lack of available safe retirement income and the heighted risk with the under-funding of Social Security program obligations, has started focusing on the need for individuals to consider annuities.\u00a0 Bi-partisan efforts have gained momentum in Congress regarding how to facilitate opening up markets to invite more individual participation in annuity contracts, both inside and outside traditional retirement vehicles.\u00a0 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most importantly when a client works with Intelligent Directions, will state clearly when a client\u2019s needs are NOT going to be best served by annuities, life insurance or any other product in the market place that we might offer.\u00a0 Call it integrity, call it honesty, but frankly it is simply us being \u201c60-something\u201d ourselves and being comfortable with our own financial plans.\u00a0 Having been a management consultant for over 30 years, and as a former Deloitte Management Consultant, it is apparent to Mike that professional relationships last only if we are honest.\u00a0 It is important to us that our clients have a positive opinion of us, and in our mind that is mandatory for a lasting network of business relationships\u2026<em>all of which is much more important to us than any given commission check<\/em>.\u00a0 If a client appears to already be well prepared for retirement, and the risks of retirement, we will clearly acknowledge that.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will offer advice free of charge, and we will spend as much time as needed with our clients and their advisors to help them fully understand the options, and terms and conditions of any product contract. \u00a0Admittedly many of the annuity and life insurance products are complex, but that is because they are in fact \u201ccontracts\u201d and not investment vehicles in the traditional sense (like mutual funds, or even hedge funds).\u00a0 The fact that our clients will execute a strong binding contract with a large financially sound insurance company reflects the safety of annuities and select life insurance products.\u00a0 These contracts are not something to fear.\u00a0 We will explain each contract, and make sure that all questions are answered either by us or the insurance company offering the product.\u00a0 We will offer education to our clients detailing the life Insurance company business model to increase personal knowledge and confidence, and why it is often prudent to place at least <em>some<\/em> money inside insurance company business structures. \u00a0\u00a0Some of the more advanced topics that you might want to discuss with us:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Suggestions on how to fund early retirements and build bridges to your other retirement cash-flow streams for use beginning in the age 59 to 70 + time frame.<\/li><li>The pure concept of \u201clongevity\u201d insurance.<\/li><li>How annuities can offer high internally compounded tax-free growth, similar to common retirement accounts (IRA\u2019s, 401Ks, etc.) \u2026 yet with no annual limitation on contribution limits.\u00a0 <\/li><li>&#8220;Joint&#8221; Annuities and Life Insurance that cover both spouses. <\/li><li>What amounts are you budgeting for retirement, and the \u201cunexpected?\u201d<\/li><li>Medicare limits and Medicaid Spend Down Rules, including \u201clook-back\u201d periods of 3-5 years and how this can unexpectedly shorten your Retirement Preparation Runway.<\/li><li>What does \u201cself-insuring\u201d your long-term health care really mean?<\/li><li>How to balance your retirement cash-flow needs, with planning for your own long-term healthcare and money that you wish to pass to your heirs.<\/li><li>Solutions to potential Tax Burdens found in existing life and annuity products that you may hold.<\/li><li>How to provide additional Social Security-like cash flow for your children and grand-children (reduce their risk and reliance on Social Security and changes to tax treatment of retirement plans).\u00a0 Who actually owns an IRA?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">When investors approach retirement age, the <em>runway gets very short<\/em>\u2026time quickly runs out to lock-in and capture guarantees for retirement cash-flow.\u00a0 At age 60 it is more difficult to start trying to lock in higher rates of return.\u00a0\u00a0\u00a0 If the stock market suddenly deals a 40-50% unexpected market loss to a retiree (or a soon to be retiree) it can be absolutely devastating (caution noted here: percentages used in financial advertising are often misleading.)\u00a0 For example, to get back to \u201ceven\u201d after suffering a 50% market loss, it won\u2019t happen in 3 years with 15% average gains compounded (rare and unlikely anyway) &#8230;that only gets you <em>half-way<\/em> back to even.\u00a0 Reality is that It could take you 10 straight years of a 10% return (or 7 to 8 years with true\/smooth compounding) \u2026 and that would only work only if there isn\u2019t another <em>highly probable<\/em> mild 5%-10% down year somewhere in that timeline, which could deal you another 2 to 4-year setback.\u00a0 Again, this is just to get back to even. \u00a0Yes, it takes a 100% GAIN to get back to EVEN after a 50% LOSS, and that can take a decade or more.\u00a0 Ouch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, imagine if you could eliminate the erratic movements of the market in exchange for cash flows that could grow at rates 1-4% <em>higher than other safe available investments<\/em>\u2026 and there would be <em>zero downside risk<\/em> of a negative return in bad times.\u00a0 In a 15% up-market year for example, your \u201cgain\u201d might be capped at 8-12% contractually, but in a 15% down market year your worst return is contractually set at 0% (no loss).\u00a0 There is a long explanation behind how this actually works, but suffice it to say that this exemplifies the <em>absolute advantage<\/em> that insurance companies have over money managers at Mutual Funds, Hedge Funds, ETF\u2019s, Variable Contracts, etc.\u00a0 Those managed funds by charter (and because of competition) are <em>required<\/em> to be continually invested in specific stocks\/sectors, etc.\u00a0 When the market is going to have a bad week, <em>and everybody knows it<\/em>, those managers must stay invested to a large extent.\u00a0 <em>Yikes!<\/em>\u00a0 Insurance Companies are free (within the guidelines of their heavily audited and regulated risk pools) to move in and out of the market, hedge some, own real estate, etc.\u00a0 Their promise to you is an annual contractual rate of return, and that promise in this example is to match the contracted annual market rate of return.\u00a0 This is a fairly easy obligation for insurance companies to meet, <em>they are not required to stay in the market constantly, or to own a basket of stocks with your name on it.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are many safe annuity contracts (and some hybrid life insurance products) which eliminate most downside market risk completely.\u00a0 The retirement preparation runway can also become <em>beneficially <\/em>long with some of these products in the case of <em>deferred annuities<\/em> and certain specific tax-friendly life insurance options.\u00a0 The earlier in life that an individual begins the process (some annuity products are written Age 0 to Age 80), the less initial investment it takes to meet future cash flow needs.\u00a0 A one-time single annuity premium with a deferred withdrawal start date stretched out 10, 20, 30 years can yield phenomenal cash flow once the monthly withdrawals begin.\u00a0 If younger clients were to start annuity and life contract \u201cinvesting\u201d in their twenties and thirties, in at least a small way, the advantages of tax-free compounding can be huge..<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is a reason that all highly rated insurance companies survived 2008-2009, and even survived and did well during the Great Depression.&nbsp; These long-standing highly rated Insurance Companies have done far better than banks and brokerage houses in bad times.&nbsp; They have a unique internal strength, and their business model has always allowed them to honor their contractual obligations to millions of individuals and families.&nbsp; Once we help you understand the insurance company business model, you will see how these insurance companies actually survived and prospered in the 1930\u2019s, as did their many wealthy individual annuity and policy holders.&nbsp; More recently, annuity sales nationwide are up double digits, and this growth is expected to continue as people become more educated and aware.&nbsp; IDC wants to be your trusted advisor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you choose to lock-in future cash-flow streams <em>now<\/em> or later, we feel that it is extremely important for you to at least fully understand your retirement enhancing options, and any associated risks to your current or planned approach.&nbsp; The famous (often cited) story about Babe Ruth maintaining his wealth through the Great Depression by placing his funds in annuities with large financially sound life insurance companies is true.&nbsp; He did just fine with annuities, while many of his peers were financially destroyed. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Within your life span, just think about the Savings and Loan Crisis in the mid \u201880s, the Flash Crash in 1987, the Dot-Com Bust, Lehman Brothers collapse, The Great Recession 2008-09., etc.\u00a0 While we survived these tough episodes, they did inflect long-term damage to our financial plans \u2026and if one of those type of events happened during or close to your retirement age, think about how vulnerable you are.\u00a0 For example, just look at your Mutual Fund performance in Q4 of 2018 (Ouch!). \u00a0\u00a0Even the so-called <em>safe<\/em> <em>and well-managed<\/em> \u201cTarget Funds\u201d for near-term years such as \u201c2020\u201d, which are supposed to prepare you to retire <em>next year<\/em>, lost 4% to 9% in this <em>3-month period<\/em>.\u00a0 How safe it that?!\u00a0 \u00a0Moreover, <em>what does a retiree do with the balance in their 2020 Target Fund next year<\/em> to earn 2-12% returns going forward? \u00a0Can that retiree even find adequate guaranteed income, with no down years, for the rest of their life, while they are drawing down that balance?\u00a0 What happens if they outlive the draw-down process?\u00a0 Many annuity contracts have options where the <em>payment streams continue for life (even if you live to be over 100), AND those payment streams can be contractually guaranteed to inflate each year!<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Please feel free to call or e-mail Mike Johnson any time.\u00a0 Whether he meets with you over the phone or in person, if all that you gain from that discussion is a better understanding of the financial value of insurance products, then we will have met our objective and we\u2019ll call that meeting a \u201cwin\u201d.\u00a0 We won&#8217;t be making a play to manage your entire financial life, that is not our purpose.\u00a0 We are committed to enhancing client retirement cash flow, and mitigating any risks to those cash flow streams.\u00a0 Whether you are your own financial advisor, or you seek advice from a CFP\/CPA on a regular basis, it would be beneficial for you to include us on your team.\u00a0 Having worked with CPA\u2019s his entire career, Mike is comfortable with and understands his team role, and would not be involved to compete with other professionals on your team.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our new Personal Financial Consulting practice is rolling out in April 2019.\u00a0 As an Independent Agent, we will be offering select Targeted Annuity and Life Insurance products to help our clients take advantage of tax saving strategies while helping to meet their business and personal long-term financial cash flow needs and objectives.\u00a0 This practice unit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-57","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Our new Personal Financial Consulting practice is rolling out in April 2019. 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