Smart Is The New Rich is the indispensable retirement guide to winning financially in the "New Normal." All-time low interest rates mixed with all-time high stock markets have put retired investors and those near retirement into the cross hairs of history. Experts agree: The markets can rise, but something has to give at some point. Where will you be when the music stops? In retirement, there are no "do overs." Smart Is The New Rich reveals your risks, considers the alternatives, and helps zero in on practical solutions.
Published by: IQ Wealth Press
Date published: 03/29/2013
Edition: 1st
ISBN: 098905389X
Available in Paperback
IQ Wealth Management
Financial Advisor
Steve Jurich, Retirement Coach, Wealth Manager, and Founder of IQ Wealth Management, speaks more like a favorite professor than an insurance agent, or even a retirement adviser. Unlike the breed of annuity agents who use pressure tactics and tired lures like “free steak dinners” to gain captive audiences, Jurich’s priority is creating more informed consumers. He takes time to make sure his clients understand the range of options available to retirees so they become better educated investors on the whole. That investment of time is a significant one for Jurich (pronounced “Jur-itch”), but he believes the results his clients see in their portfolios speak for themselves. It’s been said that “knowledge is power,” and when that knowledge is applied wisely, Jurich believes it can lead to a desirable destination: lasting wealth. Besides his role as a Wealth Manager (www.IQWealthGroup.com), Jurich is a leading expert on Hybrid Index Annuities and Index Universal Life Insurance (www.MyIndexLifeGuy.com) . He is the Editor-in-Chief of MyAnnuityGuy.com, and host of the popular radio show, Journey to Wealth, on Money Radio. His company, LYON Pension Group, specializes in defined benefits and profit sharing plans for business.
7702 E Doubletree Ranch Road, Suite 300
Scottsdale, AZ
85258
United States
stevej7700@gmail.com
480-902-3333
MyAnnuityGuy.com is a privately owned website published by IQ Wealth Management, an accredited member of the Better Business Burueau with an A + rating. Owner and founder Steve Jurich is a Certified Income Specialist™ who has been counseling retirees since 1994.
7702 E Doubletree Ranch Road, Suite 300
Scottsdale
AZ
85260
United States
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Phoenix Retirement Annuity & Annuities

At MyAnnuityGuy.com™, we realize that a Palm Springs retirement annuity is of great interest to those who desire to look forward to a financially stable and comfortable retirement. Uncertainty about whether your retirement income will be there for the rest of your life is frightening. During your “golden years,” you want there to be no doubt that you will be able to pay your bills, buy groceries and generally enjoy life. We offer all of the information and education you need to determine whether Palm Springs retirement annuities are right for you, and which product best suits your individual needs.

Those planning for retirement (or who are already retired) know that with most plans, there are risks and unknowns. You may be contributing to a 401k plan at your place of employment, investing in stocks, bonds or other commodities, or have an IRA account. However, what most people desire is the lowest possible risk for a product that offers the best yield – which is where Palm Springs retirement annuities come in. According to experts, individuals should save approximately 10% of their annual income each year in order to have sufficient funds for their retirement. Even when you do that, it’s hard to know which savings vehicle is the most reliable, and which you can trust to provide an ongoing income upon your retirement.

If you are thinking about a Palm Springs retirement annuity, which is right for you? Variable, fixed indexed, fixed, immediate, combination, deferred – it can be confusing, to say the least. For most people, consulting with an experienced advisor who can explain all of the various Palm Springs retirement annuities and educate you on why certain products may be most suitable for you is recommended. Something as important as financial stability during your retirement years should never be left to chance, or guesswork.

Below is a bit of information about each of the 5 basic categories of Palm Springs retirement annuities:

Immediate Annuity. With this product, you receive income for the rest of your life after investing a lump sum of money. Similar to a pension.

Hybrid Income Annuity. Hybrid annuities are also referred to a combination annuities. This product allows you to mix and match declared or index in a single account, without risking your principal to downturns in the market.

Fixed Index Annuity. A hybrid or “cross” between a variable and fixed annuity, you have the option of rider premiums and earn interest credits when the market is up, but will not lose your interest should the market slide. This product can grow the value of your income by as much as 8% per year, compounded, when you attach a rider (this is optional).

Fixed Deferred Annuity. Similar to the interest you would gain on a CD, this product provides a tax benefit in that the investor will not pay taxes on the earnings until their withdrawal. You elect when you want to receive your payments, whether it be in monthly installments or as one lump sum.

Variable Annuity. This annuity option offers no principal protection and is much like owning mutual funds. While the product is tax deferred, it is possible to lose when the market suffers a loss. This option doesn’t offer the protection of other annuity products, but is suitable for many who are more aggressive and not afraid to take a risk.

Whether you are already retired or plan to retire in the next year or two, it is important that you understand all of your options when it comes to Palm Springs retirement annuities. At MyAnnuityGuy.com™, we offer the expertise and in-depth understanding of annuities to help you make a wise choice for your retirement years. Give us a call any time of the day or night, we are here to answer your questions and offer guidance to those considering a Palm Springs retirement annuity.

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"Learn how our 'HIGH IQ' NEXT GENERATION ANNUITY STRATEGIES CAN HELP YOU MASTER YOUR MONEY" Certified income Specialist Steve Jurich Founder IQ WEALTH MANAGEMENT AND MYANNUITYGUY.COM -EARN MORE, KEEP MORE, PAY LESS.
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What people are saying about SMART IS THE NEW RICH,

an Amazon Best Seller in 3 categories
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Must read

I'm a Certified Financial Adviser and if I didn't run my own company I would join this guys'. Seriously, it's a must read in today's new financial reality in fact….I'm handing these books out to many of my clients for free, it's THAT important! Thanks Steve, I hope to meet you in person one of these days.
Yuerg E.

Yuerg Eichmann March 17, 2016

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Must read for retirement planning

"Smart Is The New Rich" is a great overview of the many facets of retirement planning. It has changed my thinking about how much capital I have versus how much income I will have in retirement. The book provides easy to understand, side by side comparisons of risks and growth of hypothetical investments in Hybrid Fixed Indexed Annuities and the securities market. A good read and great reference for retirement planning for all age groups!

William Thomas March 17, 2016

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Straight talk about retirement strategies

The SMART thing to do is buy this book, read it, tell your friends, and keep it handy for future reference. It is an easy read, interesting, clearly written, and full of valuable information. "Smart is the New Rich" gives a practical, no-nonsense approach to the "de-accumulation phase" of investing, and is helping me sort out my retirement plan. Of particular interest is the clarification of the strengths and weaknesses of the various types of annuities. Although the charts and graphs are a bit small in the book, the Kindle version allows expansion of the text and therefore easy to read. If you are nearing retirement, and seeking a reliable and sustainable income for a lifetime, I highly recommend you read this book!!!

Carol March 17, 2016