Spend your money confidently, regardless of the economy

process.png

People planning for retirement are slowly realizing that they may end up with an income shortfall. This is where the amount of income you desire outpaces the amount of money you have saved.

And why is that? It's because we've been conditioned by Wall Street and the big banking companies to focus on growing our assets as much as possible and strive to obtain the highest rate of return.

Unfortunately, this advice never takes into account how these assets will be turned into income and has also left many of us exposed to the four key retirement risks: (1) longevity, (2) stock market, (3) income taxes, and (4) inflation.

We believe the only way to ensure a successful retirement is through an income plan that protects your money from the four key risks.

MERIT ADVISORS PROCESS

Step 1: Identify

Collect the latest statements and documents from your retirement accounts.
 
Input your accounts into the Retirement Lifestyle Worksheet™.

Go over your needs and wants in our 60-minute Retirement Exploratory Discussion.

Step 2: Secure

Explore the three (3) avenues that will secure a portion of your retirement income.
 
Maximize your Social Security benefits and discover your optimal retirement age through our Social Security Maximization Calculator™.

Consider fixed index annuities as your additional source to cover basic living expenses.

Step 3: Protect

Assess your current tax liability.
 
Explore tax-advantaged options to distribute your money in the most tax-efficient manner.

Consider indexed universal life to help supplement your income during retirement while keeping your family financially protected.

Step 4: Invest

Explore your investment options.

 

Contrast the strategies between a standard, passive approach vs. a personalized, tactical approach.

 

Execute a goal that works towards growing your surplus assets in the market to enhance your wealth.

Step 5: Manage

Meet with us every year to affirm your retirement income plan still aligns with your goals.

Complete and review the Needs Assessment Checklist within the Retirement Income Review Report™.

Identify any areas for needed adjustments and change your plan accordingly.

Elevate your wealth

Schedule an appointment for a review of your financial plan
Merit Advisors, LLC | Westerville, OH

Recommended

Videos

Books

Articles

Contact

Merit Advisors Info

Email Us

Request Appointment

Advisory services offered through LifePro Asset Management, LLC, a registered investment adviser. For registration information on our firm, please go to https://adviserinfo.sec.gov/ and search for LifePro Asset Management, LLC or by our CRD # 285252. Advisory services are only offered to clients or prospective clients where LifePro Asset Management, LLC and its representatives are properly licensed or exempted.

Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured.

Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Advisor), will be profitable or equal any historical performance level(s).

Information throughout this internet site, whether charts, articles, or any other statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither our information providers nor we shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. 
 

To the extent that this website concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstance.

 

This website is provided for general information and educational purposes based upon publicly available information from sources believed to be reliable. The information presented may change at any time and without notice.

 

The information and comparisons that may be presented on this site and any printable forms are not securities-related and the topics presented do not participate in the stock market nor are they stock market investments. Any guarantees are backed by the claims-paying ability of the insurance company and are subject to change. The real life cases presented are for informational purposes and illustrative purposes only. They should not be deemed a representation of past or guarantee future results. The cases do not represent any specific product, nor do they reflect sales charges or other expenses that may be required for some policies. No representation is made as to the accuracy of the analysis. All investments involve varying levels and types of risks. These risks can be associated with the specific investment, or with the marketplace as a whole. Please speak with a qualified advisor about the risks and your personal situation.

Copyright © Merit Advisors, LLC. All rights reserved.               Privacy Policy     |     Terms and Conditions     |     Contact Us