Certified Safe Money offers various financial strategies that will help you make your retirement years more secure and enjoyable. Check out their website today!
Do you want to ensure you have enough for retirement and quit working by 65, if not earlier? Do you want to ensure that your lifestyle and medical needs are met even with the "paycheck gap"? Plan your retirement with a professional financial advisor with the help of Certified Safe Money!
The company specializes in helping individuals protect and grow their wealth through sound and reliable financial planning. Their retirement strategies are low-risk/no-risk financial vehicles where the principal is protected irrespective of market conditions, even during severe market downturns.
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CSM recommends three primary safe money investment options: United States Treasuries, Certificates of Deposit (CDs), and Fixed Annuities to their clients.
U.S. Treasuries include fixed-income securities offered by the U.S. government, such as Treasury bills, notes, and bonds, which vary in their maturity periods and how they pay interest. Although offering low-risk security, they typically yield lower returns, making them ideal for diversifying portfolios and minimizing overall risk.
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The second option suggested by CSM, Certificates of Deposit, are offered through banks and credit unions, and provide a set interest rate over a specified period. The interest earned from a CD is taxable, and withdrawing the principal before the CD matures often incurs a penalty. Despite the generally low rates on CDs, they constitute an essential part of investors' overall portfolios due to their status as safe money.
Fixed annuities are contracts between an individual and an insurance company, in which the company promises to pay a fixed income stream for a specific duration or the remainder of the individual's life. Fixed annuities also enable funds to grow on a tax-deferred basis and offer death benefits and penalty-free withdrawals under certain circumstances. However, the company explains that their benefits hinge on the financial strength of the insurance company, making it vital to verify the insurer's ratings.
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Fixed Indexed Annuities, a subtype of fixed annuity tied to the performance of an underlying market index like the S&P 500, have seen a rise in popularity recently. In years when the index performs well, the annuity yields a positive return. Conversely, in poor-performing years, the account suffers no loss.
CSM maintains that by exploring safe money options, investors can ensure their principal stays secure, whatever the market conditions are. To get proper guidance on their retirement portfolio, clients can use the search function on the website that allows them to find the nearest advisor in the area and schedule an exploratory call.
In a time when market stability is far from guaranteed, the services offered by companies like CSM can play a vital role in wealth protection. By educating clients about safe money and providing personalized strategies, CSM empowers individuals to make prudent financial decisions, securing their future. With financial planning, individuals can enjoy a worry-free retirement, confident that their investments are safe. They don't need to change their retirement plans or suffer a shift in lifestyle because of current market conditions.
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