"It's okay to be scared. Being scared means you are about to do something really, really brave."
Introduction: Let's get into it today! Does risk belong in retirement? And before you say "yes of course" let's really think about it. Risking a few bucks at the casino is not really the same as risking years and years of hard earned dollars to see if you actually get to live life the way you wanted to or not.
Having said that, Let's talk about risk and why I think a teacher, should not be gambling away their retirements.
First off, retirement should not be filled with risk, it should be filled with security and protection. That is the goal. If that's the goal then WHY do we invest in the stock market? I'm not saying to not invest in the stock market. I think it's a fantastic way to make money. I'm just saying I don't think our retirements should be tied to market manipulation and what someone in congress does with a swipe of their pen.
I'm all for risking money because scared money makes no money. BUT I am not willing to risk my right to retire on the market.
Did you know there are actual accounts out there that earn you compound interest as well as a zero percent risk floor. Meaning that if the market decided to come crashing down, you would stay at the same monetary value in the account before the crash. YES. Zero risk floors with compounding interest.
Probably wondering why you haven't heard of them before.. well think about this for a second. Financial advisors run your retirement accounts. They are trading away your money in the markets win or lose. They are collecting hundreds of thousands of dollars even if they lose your money in the market. If you had an account that only earned money when the market went up, financial advisors would LOSE half their income overnight.
This is why you have never heard of zero risk retirement accounts. If you want to know more about them and the companies that have them, CLICK HERE to meet with me and I will spill the tea for you 100% free. I just want to know what kind of plan you have currently and if this would even be of help to you and your goals.
After graduating with a Master's Degree in Education Ryan took his skills to the public and private sectors of teaching where teaching children financial education was a top priority. Once he structured his Final Lesson Plan, the goal became to share with as many teachers as he could.
His main goal for his clients is to make sure they have ENOUGH income during their retirement years so at the end of the day, they can live life the way THEY pictured it.
He has educated 100's of teachers on how they can set up their retirements so they have maximum amounts of income. He has created teacher retirement accounts and supplemental income plans with no additional out of pocket expenses to his clients.