Request a personalized consultation, or schedule complimentary, educational seminars for audiences that are small to large. Learn about the latest updates affecting your future, including Social Security changes and more.
Retirement planning doesn't have to be a hassle. Develop a personalized financial plan that fits your lifestyle expectations, protects your money, helps you maintain spendable cash-flow, and guarantees the income you need.
Let go of lingering money concerns in ever-changing markets. We specialize in secure strategies, including protected asset growth, income certainty, wealth preservation, risk management, tax-efficient saving solutions, and more.
Get expert guidance and personalized service from independent financial professionals with 23+ years of experience in many financial disciplines. Enjoy financial peace of mind, no matter what the markets and economy do.
Good news, Social Security beneficiaries! Every year in mid-October, the Social Security Administration announces any cost-of-living adjustments to benefits – or “COLAs.” On October 12, the agency said that Social Security recipients would see a 2.8% COLA in 2019.
Until now, the 2018 cost-of-living adjustment had been the largest bump-up in benefits since 2012. What accounted for the heftier increase this year?
A rise in the cost of energy products, not to mention an increasing cost of shelter, were big inflationary contributors, according to experts. Both of those cost categories have heavy weightings within the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), the Department of Labor index on which COLAs are based.
For Social Security beneficiaries, the increased benefit payouts will start in January 2019. People receiving SSI benefits will see the increase on December 31, 2018.
As a small business owner or an entrepreneur, you are used to taking the lead. But there is one frontier you may still need to master… the future of your retirement. That is a matter of doing what you can to ensure all your hard work leads to your ideal retirement lifestyle.
While a 401(k) plan is the dominant retirement bedrock for employed Americans, small business owners are in a different boat. You are your own employer.
So whether you have zero or 100 employees, you must make the choice to act toward building a strong financial future for yourself. Depending on the workplace benefits of your organization, you may also impact those aiding you in your entrepreneurial dream.
And Social Security benefits can help, but only to a point. A motivating factor for building up retirement savings is the fact that, as an entrepreneur, you bring home a certain level of income. Portfolio holdings, personal assets, and savings most likely will play into your needs as a high-income household, as Social Security can only go so far.
Not only that, chances are you make more than the income limit placed by Social Security. For 2019, the maximum amount of taxable earnings is $132,900, up from $128,400 in 2018.
And what is another focal point for small business owners? An overreliance on their business as their retirement safety net. But time and again, historical data has shown this to be true: It’s risky to put all of your eggs – namely, your retirement and financial comfort – into one basket.
"I recommend Safe Money Denver for their experience, professionalism, financial knowledge, unique insights from working in multiple financial/investment disciplines, and dedication to personalized service. They offer a steadfast commitment to individual client needs and a broad perspective of finance from their multifaceted professional backgrounds."Brent Meyer Jr., Founder of SafeMoney.com