WisePlanning.com

888-221-2796
email@wiseplanning.com

Retirement Planning - Strategies and implementation of retirement plans and retirement supplements.

(Legally) Cutting Out the Tax Man in Retirement - Fox Business

401K's cost the average investor $155,000
over their life time,
limit liquidly,
and promise
BIG TAXES
at retirement.

Click Here for a Better Way!

Why Index-based Interest is a Big Deal

Index-based interest allows investors and savers to participate in the upside of an index without participating in the downside!

A problem with talking about average investment returns is that there is real ambiguity about what people mean by "average". For example, if you had an investment that went up 100% one year and then came down 50% the next, you certainly wouldn't say that you had an average return of 25% = (100% - 50%)/2, because your principal is back where it started: your real annualized gain is zero.

In this example, the 25% is the simple average, or "arithmetic mean". The zero percent that you really got is the "geometric mean", also called the "annualized return", or the "CAGR" for Compound Annual Growth Rate.

Volatile investments are frequently stated in terms of the simple average, rather than the CAGR that you actually get. (Bad news - the CAGR is smaller.)
Click here for a calculator that will show you the real historical effect that CAGR has on real market returns.

Index-based interest can avoid this problem because it allows investors and savers to participate in the upside of the index without participating in the downside!

Calculators

Compound Interest | Simple Interest | Retirement Calculator | Real Market Returns (CAGR)

Also See...

Insurance Services
Life, Health, Disability, Long Term Care

When done correctly, investment-grade fixed Indexed Universal Life Policy (aka IUL) can be one of the most powerful ways to fund a supplemental retirement plan! This is a big deal!
(offered through Schmorleitz Insurance Agency*, this service presently available in
California, Colorado, North Carolina only)

Education Fund Planning - Strategies for saving for your child's college education expenses.
(this service presently available in California, Colorado, and North Carolina only)

Ensure your final wishes are met, FOR FREE, while protecting loved ones from the stress of making hard decisions while grieving. Call us at 1-888-221-2796 and an agent will meet with you, at no charge, to help you complete this valuable plan document and service.

The AARP says, plan for your funeral and final wishes, put don't purchase a pre-paid plan. We offer a comprehensive, FREE plan, valid at the vast majority of the funeral homes and cemeteries in the United States. Dignity Memorial providers are committed to helping families create memorial services that will be long remembered for the manner in which they pay respect to the unique lives that have meant so much to family and friends. Click here to watch a short movie about the service, or to apply online.
You may also call us at 1-888-221-2796 to have our agent help you with the process.

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Contact Information:
Schmorleitz Financial Services, Steve Schmorleitz Insurance Agency
Address: 1100 Melody Lane, Suite 136, Roseville, CA 95678
Phone: 888-221-2796 Fax: 916-244-9876
email: info@wiseplanning.com

Our offices are located in the Sacramento, CA metro area.
Many of our services are available on a nation-wide basis.