How We Help American Pre-Retirees and Retirees Plan for a Secure Retirement
- Ford Stokes
- Mar 24
- 4 min read
Complimentary Portfolio Analysis and Financial Plan to Your 95th Birthday
At USretiremented.com, our mission is to empower American pre-retirees and retirees with the knowledge and financial strategies they need to enjoy a worry-free retirement. Our team of dedicated financial professionals, led by our President and Founder, Ford Stokes, is committed to helping you secure your future with our complimentary portfolio analysis and financial plan—at no cost to you.
Attention: Our Educators Now Offer Free Portfolio Analysis and Free Financial Plans to Your 95th Birthday
We understand that planning for retirement can be overwhelming. That’s why we provide a comprehensive financial plan and portfolio analysis to ensure that your retirement savings last to your 95th birthday. Here’s what you will receive when you work with our team:
1. Portfolio Analysis
Your portfolio analysis will assess critical financial factors, including:
Expense Ratio: The expense ratio represents the annual fees you pay for your investments, including mutual funds and ETFs. A lower expense ratio means lower costs, which helps maximize your returns over time.
Standard Deviation (Risk Measurement): This measures the volatility of your portfolio. A higher standard deviation indicates greater fluctuations in investment returns, while a lower standard deviation represents more stability.
Duration of Your Bonds: This metric reflects the sensitivity of your bond investments to interest rate changes. Longer durations mean higher risk if interest rates rise.
Correlation of Your Assets: Asset correlation measures how different investments in your portfolio move in relation to one another. A well-diversified portfolio includes assets with low or negative correlations to minimize risk.
2. Retirement Income Gap Analysis
We conduct a Retirement Income Gap Analysis to determine if your current savings and income streams will be sufficient to meet your retirement expenses. If there is a gap, our team will develop strategies to help you bridge it using secure and tax-efficient investment solutions.
3. Financial Plan to Your 95th Birthday (Based on Your Current Plan)
We provide an in-depth financial plan that projects your income and expenses through your 95th birthday using your current investment and retirement strategy. This will help you understand the sustainability of your existing plan.
4. Financial Plan to Your 95th Birthday (With Our Recommended Portfolios)
We also create an alternative financial plan using our recommended portfolios, which are designed to maximize your retirement income, reduce risk, and optimize tax efficiency. By comparing the two, you can make an informed decision about the best strategy for your retirement.
5. Roth Ladder Conversion Plan
Our team can help you implement a Roth Ladder Conversion Plan, a tax-efficient strategy that allows you to gradually convert traditional IRA funds into a Roth IRA. This helps reduce Required Minimum Distributions (RMDs) in later years and minimizes your tax liability over time.
The RSSA ROADMAP: Maximize Your Social Security Benefits
Social Security is a major income source for many retirees. Ford Stokes, our President and Founder, is a Registered Social Security Analyst (RSSA) and offers the RSSA ROADMAP, a detailed strategy to help you maximize your Social Security income benefit. Our team is ready to guide you through the complexities of Social Security and help you claim your benefits at the most advantageous time.
Understanding Strategic Asset Allocation vs. Tactical Asset Allocation
When it comes to investing, two important strategies are strategic asset allocation and tactical asset allocation:
Strategic Asset Allocation: A long-term investment approach where asset allocations remain relatively fixed based on your risk tolerance and investment goals. The primary goal is diversification to reduce overall portfolio risk.
Tactical Asset Allocation: A more active investment approach that allows adjustments based on market conditions, economic outlook, and investment opportunities. This strategy seeks to capitalize on short-term market fluctuations while maintaining a long-term plan.
The Power of Bond Replacement: Creating Your Own Personal Pension
One of the biggest risks retirees face is outliving their savings. Instead of relying on traditional bonds, our team recommends bond replacement strategies that provide guaranteed lifetime income. This is achieved by investing a portion of your assets into a fixed indexed annuity (FIA) through a licensed financial advisor and insurance agent in your state.
Benefits of a Fixed Indexed Annuity (FIA):
Guaranteed Lifetime Income: Creates a pension-like stream of income that lasts throughout your retirement.
Principal Protection: Your money is protected from market downturns.
Potential for Growth: Your annuity's value can increase based on the performance of an underlying index, such as the BNP Paribas Global H-Factor Index.
Immediate Bonuses & Growth Potential: Some annuities offer up to 27% in immediate bonuses and an 8% guaranteed increase with the potential to receive 310% of how the underlying index performs.
By using this strategy, retirees can create a personal pension that ensures they have enough income to cover essential expenses throughout retirement.
Take the Next Step Toward a Secure Retirement
At USretiremented.com, we are committed to helping you build a secure financial future. Our team of financial educators and retirement experts is here to provide a free portfolio analysis and financial plan to your 95th birthday.
Get Started Today – At No Cost to You!
📞 Call us at 1-888-814-0304📧 Email ford@activewealth.com
Don’t wait—take control of your retirement today! Our team is ready to help you maximize your retirement income, reduce risk, and secure your financial future for years to come.
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