401K Help
I help future retirees like you protect your wealth.
I defend your earnings by redistributing your 401(k) dollars (BEYOND the employer match aka free money) into the right buckets that will still give you growth. Without the risk of loss!
Baby Boomers, new laws & 401K traps you didn't see coming.
Back in the good old days, employers shouldered the risk with pension plans. Today, in the era of the 401(k), that burden has been placed squarely on your shoulders.
It’s like being handed the steering wheel of a race car speeding down a winding road, while you’re still learning to drive. The result? One wrong move and your entire future could be jeopardized.
Just think back to the 2008 crash. The investment risks inherent in the 401(k) structure left many people with less than half of their retirement savings. Now with new laws in place, you have to protect it from giving more to the government.
What's the risk of staying "as is" with my 401(k)?
Staying with your current 401(k) puts you at risk of losing 50% of your savings.
Think about that for a minute.
What would 50% devastation of your retirement savings look like to you?
What would losing half of your earnings feel like?
It would hurt, right? You bet it would.
Create your own "Pension Plan" with Long-term care benefits
Knowing what to do with your 401(k) plans and retirement accounts can be very confusing with all of the options that are available today.
Having a strategy in place to turn that money into tax-free money or make it available to your heirs without a tax burden is crucial.
We help our clients understand their options and put together individual powerful strategies for asset protection and guaranteed lifetime income. As well as, legacy planning, tax-free income sources and long-term care benefits.
Baby Boomers
There are pros and cons to the new legislation.
Unfortunately, it will affect the baby boomer generation the greatest.
With the Required Minimum Distribution (RMDs) on qualified money being pushed up to 73 years, they will be paying a higher percentage to the government.
Contact Me
See what your options are and how I can help you.
Windi Barnes
Recognition for
- Gold Eagle Top Producer
- American Equity Investments
- Top Power Producer Award
- Fidelity and Guaranty Life and Annuity
- Professional Organization of Women of
- Excellence Recognition