Helping to Protect Your Income Before And During Retirement

Retirement strategies predominantly focus on how to maximize your income for a more exciting and confident financial future. While this is certainly a goal to have in mind, it's also important to note that a good retirement strategy may span many decades and continue to be a factor even after you've left the workforce. Rather than creating a strict retirement goal, you should update your strategies periodically over time for even greater retirement funding potential.

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One way to do this is to reassess your income strategy at every step of the way. If you've steadily climbed your way toward the top of your profession, then you'll have more income. As opposed to financing large new purchases, additional money can be set aside for retirement.

"Utilize your earning potential and assets to your advantage."

Certified financial planner Wes Moss noted that in your 40’s, when your career is well underway, bonuses should be applied to savings, according to USA Today. Further, Moss suggested saving more than 20 percent of your income when you're 50 or older.1

This approach not only links current income levels to future retirement confidence, but it also helps put you in the habit of making smart financial decisions throughout your life. As a result, your retirement funding will be all the more financially stable.

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One of the greatest concerns among seniors is that they will outlive their income. Because many depend on just one or two retirement income sources, such as Social Security benefits or pensions, their options for retirement income may be limited. That's why you want to make it a priority to utilize your earning potential and the assets you have to your advantage.

MarketWatch indicated homes are typically one of the largest assets people have2. Increasing the value of your home and making larger mortgage payments can increase your home's equity. Then, if you retire and decide to move to a new vacation home or simply downsize to something more manageable, you'll be profiting off your home.

By limiting overspending, your living expenses will be lower, and more of your money can be directed toward retirement funding. In the case where additional retirement income is needed, an annuity is an insurance product that may help keep your financial future on the right track with guaranteed* income.

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Get in touch with one of our licensed insurance professionals at J.D. Mellberg to find the best retirement income strategy for your needs. Be more confident you will not outlive your money with lifetime payments** from the right annuity option.

Call us today at 1-877-805-0151.
By responding to this offer you may put in touch with a licensed insurance agent regarding retirement income strategies using fixed insurance products. J.D. Mellberg Financial is insurance licensed in all 50 states (AR8771938/ CA0K73712/ TX1908101) and all producers of J.D. Mellberg Financial have the appropriate licenses for the products they offer.
*Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC.
**Some annuities may have a lifetime income guarantee as part of the base policy; others may have riders available that provide this benefit. Riders may also be available for benefits like an annual increase to help combat inflation or for as much as doubling your income in case of a qualifying health event. These annuities are not long-term care and are not substitute for such coverage. Optional riders may be available with a charge.
J.D. Mellberg Financial is not affiliated with nor endorsed by any government agency, including the Social Security Administration. 1Hellmich, Nanci.  “Smart ways to save for retirement at every age”, USA TODAY, January 26, 2015.
2 Clements, Jonathan, “4 ways to avoid having to pinch pennies during retirement”, MarketWatch, January 26, 2015.
If you are unable to access the article referenced above, please call 1-877-805-0151 to request a copy.