HOW TO MAKE YOUR RETIREMENT FUNDS
LAST AS LONG AS YOU DO
 
There are three keys to financial success in retirement:
 
Diversity Your Investments: You can't put 100% of your assets
in stocks.That's too risky. You can't put 100% of your assets
in cash or CDs, either. Retirees and other people who rely
on investment income may not be able to live on the interest
they produce. The solution lies somewhere in between. 
Balance a portfolio to achieve a decent return with
acceptable risks.
 
Turn Your Investments into an "Income-Producing Machine."
Your portfolio is like an engine. You've got to put gas in
it, change the oil regularly, and periodically fine-tune it
in order for it to run efficiently. 
 
So it is with your investment portfolio. While it may be
OK to "buy and hold" for long-term investment performance,
that doesn't mean "buy and forget about it." It requires
some occasional re-balancing--draining out a few worn out
investments, which were fine in the past, and replacement
with some fresh investments for today.
 
Then put a little bit of high-octane fuel in your portfolio to rev
up its income when you need it. Inject a few high-interest and high-
dividend stock and bond investments into your portfolio. 
And for maximum performance, sell someone else the right to
buy some of your investments at a set price in the future.
You'll get paid for this, in cash, right away. This
technique can boost your annual income return from 3%
to 10%. Contact us for more on management of investments
to achieve high income returns.
 
Know the Tax Rules. Time the receipt of your income to
reduce the bite of income taxes. Recently, the IRS relaxed
the rules on required withdrawals for retirement accounts.
Now you can more easily just take out what you need, 
when you need it. The rest of your high earnings can be
left in your retirement account, to continue to grow and 
compound tax-deferred or even tax free. Contact us for 
information on "Stretch IRAs" and other methods to make
your retirement accounts last as long as you do.