Bowers & Associates,LLC R E T I R E M E N T
Bowers  & Associates,LLC                                              R   E  T   I  R  E  M  E  N   T

Puzzled about your Retirement ?

We can help with our 3 step process:

Consulting

Planning

Protecting

First we have an initial complimentary consultation to determine if we are a good "fit" to work together. If so, we start building a plan that will help you reach your retirement goals and after we are done, we put all the necessary pieces together to PROTECT the plan from the 7 Major Threats to your assets during retirement.

 

 

It's not too late to start or make changes !

There is a Chinese Proverb that says.. "The best time to plant a tree is 20 years ago, and the next best time is today" 

No matter where you are, you can start today to improve your situation!

 

 

With our special STRUCTURED INCOME PLANNING software we can help you plan to achieve your Retirement Goals.

HEALTH CARE COSTS 

The Employee Benefit Research Institute (EBRI) has crunched the numbers to determine the retriee health costs, on average for men and women who retired last year. Women will need an average of $93,000 in savings to pay for health care expenses in retirement. Men will need $65,000.

WHEN TO TAKE SOCIAL SECURITY ?

One of the most important strategies we help our clients implement is WHEN to file for their Social Security Retirement Benefits. This one decision can add hundreds of thousands of dollars to your future retirement income.

We can run a special REPORT for you to determine the best time to file and what strategies to use to MAXIMIZE your Social Security benefits!

 

 

 

WHERE SHOULD I HAVE MY RETIREMENT SAVINGS?

If you are contributing to a 401k at work, you should contiribute at least up to the amount your employer matches. If you can save more than that, there are many options that may be available, INCLUDING TAX- FREE ONES!

INCOME TAXES 

Federal, State, and local income taxes are often a retiree's largest single expense!

 

Proper planning NOW can help you minimize or even eliminate future income taxes by using little known strategies in the Internal Revenue Code.

 

 

News

3.25 % Interest

Guaranteed for 5 Years!  New to AZ single premium Fixed Deferred Annuity: Principal Guaranteed-10% (Penalty-Free) withdrawals per year starting in Year 2. RMD friendly. Call for more information.

928-233-6699

 

ALSO, 

 

Did you know that there is a way to "have your cake and eat it too" when it comes to protecting your retirement assets from long term care expenses?

 

Give us a call at 928-773-1199 to find out about this little known solution if you are currently "self-insuring" against the Long term care risk. 

 

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© James Bowers