Are you prepared?

Retirement Brings the Need for New Financial Solutions

Finances in retirement can be tricky.

Consider this statement from a Wall Street Journal article in February 2000: "Retirement is the great financial riddle. Think of the uncertainties. You don't know how long you will live. You don't know what investment returns you will earn. You have only a limited sum of money. And there are no second chances."

Yikes! What should you do to make sure you do well, no matter what happens?

Consider your experience. You have always had a natural progression in the financial products you have used.

When you were a child, you kept your money in a piggy bank. Why did you switch to a real bank? It was because you had more money and wanted to keep it safe and earn interest. Why did you later switch to other, more exotic places to grow your money? It was because you perceived that the long-term earnings potential outweighed the risks.

So let me ask you, what will be different now that you are retired or on the verge of retirement?

For example, what are the ramifications of needing to withdraw money for expenses while the market is down? If you have money in financial products with an uncertain return, there is a possibility of withdrawing too much and running out later.

Are you concerned about that risk? Annuities with guaranteed income benefits can address this risk and increase your comfort level in retirement.

Is there a possibility of incurring major care expenses and not having any insurance to cover them? Medicare doesn't cover most long-term nursing care or home health caretaker visits. Long-term care insurance can mitigate this risk and increase your financial security in retirement.

Just as you progressed from the piggy bank to the real bank and to more exotic financial products, many people progress to annuities with guaranteed income benefits. Just as you once saw the need to purchase health insurance, many people come to see the need to purchase long-term care insurance.

Contact me to think through these new risks, and I will help you stay financially secure.

I'm pleased to share this newsletter with you to keep in touch and pass along a few helpful tips. Please give me a call if you would like to discuss any of your insurance needs. Also, if you have questions regarding ways you can build your retirement assets or set up an effective retirement income flow, I can assist you. If you haven't scheduled an annual review yet, I encourage you to give me a call to get that set up so we can make sure all your goals are on track.

Tony Koehler
Koehler Froman Insurance Services, Inc.
403 Main Street
Warsaw, IL 62379
awkoehler@gmail.com
www.TonyKoehler4Life.com
217-919-0457

The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed. It is provided for informational purposes only.
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Stolen Horse, Henry Co. Missouri (repeat-announcement)

Please pass this along.

Mayito was stolen on 09-16-2010 in Henry County, Missouri (Clinton area) and reported on TRACE at that time.  His owner has been diligent in attempts to find him.  Please watch for this horse when going to auctions, sales or while travelling in your area.

If you have any information on Mayito, Please call the above number and the Henry County, Missouri Sheriff's Office at 660-885-5587, then email us at TRACE@jocogov.org

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**REMEMBER: IF YOU HAVE AND EMERGENCY OR NEED TO FILE A THEFT REPORT, CALL YOUR LOCAL LAW ENFORCEMENT FIRST, THEN send an email concerning your theft or suspicious activty to "TRACE@jocogov.org" and it will be relayed back to the members of TRACE. You can also go to www.jocosheriff.org, click on the TRACE icon and then click on "Report Activity". If you wish to "reply", your message will be sent to "trace@jocogov.org" automatically. Items contained in the above email are for public viewing, please feel free to forward.
If you wish to contact one of the TRACE detectives by phone, please call 913-715-5561. You may also leave a voice mail at that number.
***THANK YOU FOR PARTICIPATING IN "TRACE". REMEMBER, THIS PROGRAM IS ONLY AS GOOD AS THE INFORMATION IT PRODUCES. PLEASE CONTINUE TO USE THE PROGRAM AND ASSIST US IN MEMBERSHIP BY SPREADING THE WORD TO YOUR FRIENDS AND NEIGHBORS OF ITS EXISTENCE. MORE MEMBERS MEANS MORE INFORMATION, THANK YOU***

Are you using dangerous products?

3/27/2011

You do plenty of research before buying a car or computer. But you probably don't research personal care products.

We assume that the soap, cosmetics and toothpaste we buy are safe. Many of us reach for the least expensive product on the shelf.

Not so fast! These products may contain harmful ingredients. They may be associated with cancers. Or, they could be linked to birth defects and allergies.

So, it is a good idea to research personal care products before you buy. You want to know what risks are associated with a product.

Fortunately, such research needn't be difficult. Just head over to today's Cool Site.

You can enter the name of a product that you frequently use. Products receive an overall safety score.

You'll also see a list of dangers associated with the product. And be sure to check the ingredients breakdown. It provides the information you need to make an informed buying decision.

cosmeticsdatabase.com

Flood?

Taxes and Your Retirement

I'm pleased to share this newsletter with you to keep in touch and pass along a few helpful tips. It's important to regularly monitor your financial health and this will give you a few ideas on items you need to keep in mind. Please give me a call if you would like to discuss any of your insurance needs or your questions regarding ways you can build your retirement assets or set up an effective retirement income flow. If you haven't scheduled an annual review yet, I encourage you to give me a call to get that set up so we can make sure all your goals are on track. Taxes and Your Retirement Plan "In this world nothing is certain except death and taxes." -Benjamin Franklin When it comes to taxes, however, at least you can alter the timing a bit! If you are working in your career and believe that you will be paying a lower tax rate after you retire, it makes sense to delay taxes as much as you can. Participating in your employer's 401(k) plan can be a great way to delay taxes. So can making a traditional IRA contribution or opening an annuity. DELAY TAXES: 401(k) Traditional IRA Annuity AVOID FUTURE TAX INCREASES: Roth 401(k) Roth IRA Life Insurance On the other hand, if you see today's government budget deficits and believe you will be paying a higher tax rate in the future, you should consider participating in your employer's Roth 401(k) plan and converting your traditional IRAs to Roth IRAs. Since January 1, 2010, anyone - regardless of income - has been eligible to do a Roth IRA conversion. Such a conversion is basically a decision to pay taxes now to avoid paying potentially higher taxes later. Once your money is in a Roth IRA, you have the opportunity for it to grow completely free of any future income taxes. What if you are retired, above age 70½, and don't really like that you are forced to take required minimum distributions from your IRAs? If you plan to use your IRA to benefit your heirs, that may be best accomplished by using those unwanted distributions to buy life insurance. Since life insurance is paid free of income taxes, the life insurance would most likely provide a much higher after-tax payment to your children and grandchildren.

Tony Koehler Koehler Froman Insurance Services, Inc. 403 Main Street Warsaw, IL  62379 awkoehler@gmail.com www.TonyKoehler4Life.com 217-919-0457 The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed. It is provided for informational purposes only, and you should consult with a tax advisor for further information. Our organization does not provide tax advice.

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Taxes and Your Retirement

I'm pleased to share this newsletter with you to keep in touch and pass along a few helpful tips. It's important to regularly monitor your financial health and this will give you a few ideas on items you need to keep in mind. Please give me a call if you would like to discuss any of your insurance needs or your questions regarding ways you can build your retirement assets or set up an effective retirement income flow. If you haven't scheduled an annual review yet, I encourage you to give me a call to get that set up so we can make sure all your goals are on track.

Taxes and Your Retirement Plan

"In this world nothing is certain except death and taxes." -Benjamin Franklin

When it comes to taxes, however, at least you can alter the timing a bit!

If you are working in your career and believe that you will be paying a lower tax rate after you retire, it makes sense to delay taxes as much as you can. Participating in your employer's 401(k) plan can be a great way to delay taxes. So can making a traditional IRA contribution or opening an annuity.

DELAY TAXES:

401(k)
Traditional IRA
Annuity

AVOID FUTURE TAX INCREASES:

Roth 401(k)
Roth IRA
Life Insurance

On the other hand, if you see today's government budget deficits and believe you will be paying a higher tax rate in the future, you should consider participating in your employer's Roth 401(k) plan and converting your traditional IRAs to Roth IRAs.

Since January 1, 2010, anyone - regardless of income - has been eligible to do a Roth IRA conversion.

Such a conversion is basically a decision to pay taxes now to avoid paying potentially higher taxes later. Once your money is in a Roth IRA, you have the opportunity for it to grow completely free of any future income taxes.

What if you are retired, above age 70��, and don't really like that you are forced to take required minimum distributions from your IRAs? If you plan to use your IRA to benefit your heirs, that may be best accomplished by using those unwanted distributions to buy life insurance. Since life insurance is paid free of income taxes, the life insurance would most likely provide a much higher after-tax payment to your children and grandchildren.

Tony Koehler
Koehler Froman Insurance Services, Inc.
403 Main Street
Warsaw, IL 62379
awkoehler@gmail.com
www.TonyKoehler4Life.com
217-919-0457

The information provided here has been taken from third party sources and is deemed to be reliable, but is not guaranteed.
It is provided for informational purposes only, and you should consult with a tax advisor for further information.
Our organization does not provide tax advice.
Please click the following link if you no longer wish to receive these emails: https://www.natbrokers.com/services/tracking/Unsubscribe.aspx?leadID=754587