Let's Plan Today For Tomorrow.

The financial meltdown from 2008-09 was a stern reminder that failing to plan for TOMORROW could lead to very devastating consequences for many unprepared Americans.

The decline in the stock market, along with massive job losses was a double dose of devastating consequences that took many households by surprise. For the unprepared, it was a very rude shock from which it may take them years to recover.

The best way to avoid a similar fate in the future is to create a flexible and comprehensive plan TODAY.  

The harsh reality is this: most Americans lack a formal financial plan. But for those with a written financial plan, they are more satisfied with how their finances are managed, more confident about their financial decisions, and less worried about being financially secure at retirement.

Deciding where to invest your money is only one of many parts of a comprehensive financial plan. You also need to consider asset protection strategies, liability management, cash flow analysis, and tax minimization strategies.

 

A well thought-out plan will address these questions:
 

  • How much do I need to save so I can retire with my desired lifestyle?

  • What percent of my portfolio can I withdraw each year?

  • Which assets should I tap first in order to minimize my taxes?

  • What is an appropriate investment mix based on my goals and tolerance for volatility?

  • What insurance do I need to protect my assets?

  • What strategies can I put in place to minimize my estate and income taxes?

  • How can I ensure that my assets pass to my heirs in the way that I desire?

  • How should I title my assets?

  • What plans do I need to put in place now to help me realize my special dreams and goals?

 

Remember, although you may address these questions and have had a financial plan put in place, you will need to do annual reviews to ensure your plan is kept up to date.  As your life changes so should your plan. Here are several examples of life changes that may cause a revision to your plan:

 

  • The need to take care of an aging parent

  • Divorce or death of a spouse

  • A forced retirement or job loss

  • An inheritance

  • Starting or selling a business


There are many other transitions, both expected and unexpected, that could occur. The best way to deal with them is to have a plan that covers the expected while being flexible enough to deal with the unexpected.

With J. Nunes Financial, we will work with you extensively to ensure your financial plan keeps you pointed in the right direction even as your life inevitably changes.  Also, the comprehensive nature of your financial plan should help you avoid major mistakes such as overestimating how much you can safely withdraw from your nest egg.

By presenting you a broad view, your financial plan will help you understand how each financial decision affects other areas of your finances.  Although developing a plan takes time, the end result may help put you at ease and enhance your quality of life.

 

Let's start TODAY with your FREE Personal Financial Review so that we can secure for you a better TOMORROW!

Every Mission Begins With A Plan

Would you like to avoid sharing 25 to 50% of your retirement savings with the government or are you OK handing over 1/2 of everything you have?

What if there was a way that you could save for retirement where your money grows tax-free, where you can get your hands on it anytime without paying taxes, and whatever you don’t need can be transferred to the next generation, tax-free? How much of your nest egg would you want in such a plan?

These days, most clients, if not all, are highly concerned about rising taxes and future market fluctuations eroding their retirement savings. Indexed Universal Life Insurance is a cost-effective way to protect their savings from taxes while providing them with supplemental retirement income for their entire lifetime.

 

TAX FREE RETIREMENT WITH LIVING BENEFITS!

Planning For the Future Starts With Setting Your Goals. 

J. Nunes Financial will help you create and implement a financial plan with your future retirement goals in mind. Our well-trained financial professionals have access to the industry's best planning tools to get you started, with tax free retirement strategies.

 

Put Us to Work For You.

We are committed to helping you create financial security for you and your loved ones.  Look to us for advice to help meet your goals.

 

Call Us With Your Questions.

When we have completed your free Personal Financial Review, remember that we are just a phone call away to answer all of your questions.  Call us today so we can address your financial goals and needs.

 

Track Your Progress.

There's no better way to stay on track with your plans than to have our financial professionals monitor how you are doing. So, after you have completed your free Personal Financial Review and have begun to address your financial goals, we will ensure that we review your progress at least annually and make adjustments as your circumstances change.

Time To Schedule Your Personal Financial Review

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© 2015 JOHN NUNES FINANCIAL & INSURANCE SERVICES. ALL RIGHTS RESERVED.

1151 HARBOR BAY PARKWAY | SUITE 208A | ALAMEDA | CA | 94502 | 510-473-7174 

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