John Labunski Dallas Retirement Planning Advice Texas

John Labunski Dallas Financial Planning

Recurring savings for investment: see how it works

 When we started studying about financial education, we started to deal with money differently. You understand, for example, the importance of saving and investing .

 Another thing you learn about is constancy. That is, the economy of recurrence.

 Even if you don't know this term yet, the concept is present in your life. In streaming subscriptions, for example. Something you pay for on a recurring basis and not a one-time purchase.

 Investing requires discipline and consistency. Want to learn more about how recurrence impacts your investments? Read this article and see how it happens!

 What is recurrence?

 Let's start by talking about recurrence.

 Surely you pay some recurring service, to listen to music or watch movies and series. Hiring is done through plans, subscriptions or monthly fees.

 So, we can say that whenever you make an acquisition through a contract, it's a recurring purchase. And that goes for everything, electricity bill, internet plans. These are accounts that appear every certain period of time.

 But now you're on the subject, so let's move on!

 What is recurrence economics?

 From those recurrence sales that we talked about above, the recurrence economy emerges. Or what is called the new global market.

 One of the main sectors of this type of economy is movie streaming. Companies in this sector are a reference for the recurrence economy, as they are platforms that revolutionized the market.

 It may seem like a lie, but before them, people went to the video store to get DVDs of their movies and series and they had a few days to return them.

 These platforms have provoked a real revolution by changing the way companies relate to customers. And for customers to relate to the company and the product.

 So we can say that the recurrence economy is when the customer pays for a service in the long run. Easy to hire and cancel, with different prices.

 Not to mention the convenience of doing everything from the cell phone, hiring, payment, content reproduction and everything else. These are the characteristics of services that use the recurring model.

 But as we said, recurrence is present in several other services. We only singled out movie streaming because it represents a very big change in recent years.

 Types of companies that use the recurrence economy model

 We highlight streaming for the popularity and strength of the business. But other companies use the recurring model.

 Business like:

 – subscription gym, annual or semiannual plans;

 – educational institutions, schools, universities and courses that charge students monthly fees;

 – parking lots that offer monthly packages;

 – book or wine clubs, for example, in which the subscriber receives a package with the products at home every month;

 – other services paid monthly, such as health plan and insurance of the most varied types.

 The examples are many, but let's stop here to get to our main subject.

 And what does all this have to do with your investments? Keep reading to find out!

 How does the recurrence economy act on investments?

 Well, after you better understand what recurrence economics is, let's move on to the next topic.

 Investments also use this business model.

 A definition of recurring investment is: the attitude of making frequent contributions to a portfolio of assets. And it doesn't matter what type of application it can be, CDBs and Debentures, shares or private pension.

 It works like this, as the investor makes new investments, the amount applied is accumulated with the sum of the other contributions and is still plus interest.

 Therefore, the value continues to increase over time until the moment the investor performs the redemption.

 The recurrence of investments causes your equity to increase in an orderly way with the power of compound interest (interest on interest). The more discipline and financial organization , the more you can benefit from using a recurring model.

 Why is it important to keep recurring?

 So, to explain the importance, let's use a private pension plan as an example.

 When you hire a pension plan, you can program a monthly investment via automatic debit or bank slip. So it's a recurring payment.

 But what do you get out of it?

 First, you put Rocky Balboa's wise words into practice and take it one step at a time. But instead of climbing steps to prepare for the fight, you learn to collect money a little at a time.

 This makes the investment more accessible to different audiences and profiles. Over time, with compound interest, your investment grows exponentially.

 The investor still has the advantage of building a more peaceful future, as this redemption can be scheduled for retirement . If you prefer, you can also buy a house or take the trip of your dreams. It's your choice!

 Want to use recurring savings on investments to get into the habit of saving a little each month? Make a private pension plan.

  

Posted by: John Labunski

What are the best investments for 2022?

 Have you made your financial planning for this year? If not yet, this is one thing that needs to be on your list!

 Starting to invest is the best way to make your money work for you. So let's talk about the best investments for 2022!

 How to identify the best investments for 2022?

 To know the er your investor profile.

 An investment cbest investments for 2022 you need to know yourself. That's right, the first thing you need to do is disco van be good for one investor and bad for another. This is normal, because a person's risk tolerance varies. The financial market presents several types of applications for the most varied profiles.

 Speaking of which, let's see where you fit in best. There are 3 pillars to know your investor profile: liquidity, security and profitability.

 Check the investor profiles:

 – Aggressive profile: is that investor who wants to have the highest possible return, but also means that he has a high tolerance for risk. Generally speaking, the more risk, the greater the potential for profitability.

 – Conservative profile: in this case, the investor prefers security to profitability. It also has a lower risk tolerance.

 – Moderate profile: this is the profile of investors who are in the middle, between aggressive and conservative. It wants profitability, but still values ​​security.

 How much money do you have in equity, what are your goals, if you want to make long-term investments. These are some of the questions you need to answer to discover your investor profile.

 Investing for 2022: what do I need to do to start investing?

 Not everyone has an established financial plan . For those who want to increase wealth, it is essential to organize finances.

 To take advantage of the best investments for 2022, you need to analyze your spending. Start writing down everything, even small expenses, create goals and targets.

 Once you have a monthly budget to follow, you should start putting money together .

 It is important to have an emergency reserve , as it gives you more security to invest.

 Some tips to help you with financial organization:

 – make a spread sheet of expenses;

 – also write down everything you earn, including salary, any bonuses, food stamps, etc.;

 – have objectives and goals, know where you want to go and how you will do it;

 – cut unnecessary expenses;

 – save money! In this process of entering the financial market, you will need to have money. Therefore, saving and investing is essential to increase your wealth.

 What are the best investments for 2022?

Now let's get to know some investments for 2022. As we said, the best investment is relative. It will depend on your profile and your goals.

 But, some points can be evaluated at this point. Which is the economy's basic interest rate. It is important to note that this rate is not fixed, that is, it can vary over the months.

 In this case, we are talking about fixed income investments , but variable income investments can also be a good option this year, despite the strong volatility of the Exchange.

 Multi market funds are free to allocate assets in both fixed and variable income investments. The advantage is that you can make the most of each type of investment.

 Now that we've seen about investments in general, let's get to know the types of investments for 2022.

  

Posted by: John Labunski

Investing: Equity Indexed Annuities

 Maybe you've recently maxed-out your 401(k) and your IRA, and you're still looking for ways to save for retirement and defer taxes. If so, a relatively new tool on the market may help you meet your financial goals. It's called an Equity Indexed Annuity (EIA) and it's gaining in popularity.

Equity indexed annuities take advantage of the security of annuities and potential market gains. They've gained media attention as an insurance product that can profit from gains in market indexes. According to USA Today, currently 41 companies offer a total of 131 equity indexed annuities. The combination of the security of an annuity and the potential growth of the stock market has led to an increase in the amount of annuities purchased and also the amount of scrutiny given EIAs by the media and regulatory groups

Like a regular fixed annuity, you put money into an annuity in return for interest and a steady stream of income after you've retired. Income guarantees are based on the claims-paying ability of the insurance company. The difference is that with an equity-indexed annuity you have the potential to earn more future savings depending on the performance of the index to which it's tied. Many EIAs are based on the Standard & Poor's 500 index.

One possible downside is that the insurance company with whom you contracted for the annuity can set limits on the amount of market gain you actually receive. While you still have an opportunity for adequate growth, it may not always be at the same level as the index.

Insurance companies can limit your potential gains in several ways. For example, they can put a cap on your growth. If they assign a 10% cap, and the market increases 20%, you get only 10% of the gain. They can also give you only a percentage share of the index performance. For example, if they set the rate at 70% of index performance, and a particular index rose 10%, you would earn 7%. Finally, they can implement margins or spreads. If your margin was set at 4% and the market rose 10%, your annuity would rise only 6%.

How and when interest is credited to your EIA is an essential component as well. Some EIAs calculate interest by comparing your account value at the beginning of the year to its value at yearend. Assuming a gain, the difference is added to your account using the guidelines above. Others take the value of your EIA then add the value gained after the entire term of the EIA which could be many years.

One of the biggest advantages of EIAs lies in taxes. Future income and earnings in an annuity generally offer tax-deferred growth. This is especially helpful if you expect to be in a lower tax-bracket during retirement.

Keep in mind that EIAs are primarily a retirement savings vehicle and usually have a penalty for early withdrawal. There is an additional 10% tax penalty if you withdraw before age 59 1/2. However, many annuities have a provision that allows you to withdraw 10% of your funds without paying a penalty. Withdrawals will reduce the amount paid to beneficiaries at the time of death.

As with most investments, there is always risk, and you should consult carefully with a financial professional before you choose to invest.. As an alternative to traditional retirement savings, EIA's may be a viable option to help you plan for retirement.

Posted by: John Labunski

Long Term Real Estate Returns

 “It's tangible, it's solid, it's beautiful. It's artistic, from my standpoint, and I just love real estate.”-Donald Trump Real estate returns are a great investment option for anyone who is looking for long term growth of their capital. Today, in the United States, real estate investing is booming with a great rate of return and extremely low risk. Land always appreciates in value and that is why many investors are pulling their money out of the stock market and placing into real estate, which almost guarantees a nice profit on a regular basis.

Land over the last year has increased by over 30% and about 130% since the early 1990s. Many people who are looking for investment options which will offer long term growth believe that mutual funds, investment trusts, and traditional stocks are their only options.

Real estate is probably the best option of all. Not only is it profitable but it a great deal of fun and very exciting. Unlike other investments real estate investing can be hands on, and with each new investments there are new things to see, do, and consider.

Real estate is the perfect investment for a conservative or new investor because it is very low risk. Real estate investing used to be an investment that only the rich could afford. Today, small or big investors have the ability to take advantage of this growth and profitability market.

Land has a great deal of potential because it adheres to the supply and demand theory of capital growth. As the amount of land decreases as supplies drop, the price of land increase as the demand for land grows stronger. People and companies will always need land to build on, and land is also renewable.

This means that land never wears out and has to repurchased. As the population in America increases, and people continue to immigrate here the need for land for residential housing will continual to rise. In addition, people are divorcing or choosing to stay single at a staggering rate.

This means that instead of one house, for a couple, there will need to be two houses. There is a desperate need for affordable housing for middle class families. Many urban areas are being revitalized to make room for young businesses people and lofts.

If you are looking for a solid investment which is easy to understand, you may want to consider real estate investing. The rules are simple, buy low let the land appreciate, and then sell high. There are no complicated business strategies, no reading of balance sheets, or complicate risk benefit formulas. Real estate investing is low risk, high profit, and anyone buy a piece of property at their price level.

Source by: John Labunski

Three Retirement Planning Mistakes

 Planning Mistakes You Should Avoid

Planning for your retirement is not something you should neglect. If you want to have a comfortable retirement, you should start planning as early as possible. People choose the assistance of a financial planner so that they know exactly if, and when they can retire. However, there are some mistakes that most people make when planning for their retirement. Here’s what you should avoid doing.

Retirement Lifestyle

One of the first things you need to decide is how much income you need to maintain your current lifestyle when you retire. Most people don’t know, or they make inaccurate assumptions without taking into account inflation and other factors. If the amount you need to maintain your current lifestyle during your retirement is too much, it means you will have to make adjustments to your retirement plan. On average, you will need about 80% of your current annual income for your retirement. Most people have no clue of how much they will need for their retirement. Do not leave anything to chance, make accurate calculations of how much you will need to sustain your lifestyle during retirement.

Higher Healthcare Costs

Another area that is overlooked is the higher health care costs you will have to bear during your retirement years. When you are planning your retirement, you will need to add these costs to your plan. Overlooking healthcare costs could leave you strapped for cash when you need it the most.

Long-Term Care Plan

Caring for an elderly parent takes a toll on their loved one and their savings. The US Department of Health states, “About 70% of people aged 65 and above will require care at some point in their lives.” It is vital to take long-term care into consideration and include it in your retirement plan.

John Labunski is the founder of LWA Fund Advisors, LLC. He is also a former executive for such prestigious corporations as P&H and Goldman Sachs. Labunski and iconic radio personality Michelle Wright currently co-host the popular Wealth911.com talk radio program.

Finding Your Dream Career

 In general, the majority of professionals do not claim to have their dream job. In many cases, this stems from numerous people simply not knowing what their dream job is, unsure of how their talents and skill sets can manifest a position that brings the utmost personal happiness and job satisfaction. John Labunski, a celebrated financial radio talk show host and entrepreneur, is beyond thrilled to have found his true calling in life, helping people plan for their retirement with safety and as little risk as humanly possible. He enjoys knowing that he is actively helping people build a solid foundation for their futures, and he recommends to all professionals who haven’t yet found their dream job to consider the following:

John Labunski Think about who your greatest professional role models are, and identify what it is that has made them so successful. Think deeply about how they function in their profession, how they view themselves in their line of work, and begin to think of yourself in this light. How can you follow their example?

Discover what it is that you truly love and think about how that translates into a career. Are you working a desk job, but you are ultimately passionate about photography? Backpacking? Music? It’s not always possible to simply take photos, backpack across the country, or perform live and still make ends meet. Therefore, you must figure out a framework for your passions to thrive in a way that will ensure a paycheck each month. Work as a newspaper photographer, as a backpacking instructor and wilderness guide, or at a music production company, for example.

At all costs, don’t let go of your dream. Do whatever it takes, even if it means living with less until you can figure out a successful plan to make your professional dreams come true.

Financial Services Professionals – The Basics

 Financial Services Professionals (FSP) is an upstanding organization that devotes itself to ensuring that financial professionals receive the necessary tools and resources to serve their clients in a manner that is empowering and even life-changing. John Labunski, a prominent financial advisor who founded his own company, LWA Fund Advisors, and serves as a founding partner of Lincoln Wealth Strategies, is a proud member of FSP. He deeply believes in the organization as a fantastic educational tool that furthers knowledge, brings like-minded people together, and provides opportunities for people to deepen and grow in their careers. He is particularly proud to be a member of an organization that clearly provides an open and nurturing community for people of all backgrounds and walks of life. He believes that it is incredibly important to understand your clients as whole people and recognize that these various life paths weave the tapestry of our society. He is thrilled to share the organization’s diversity statement, which is as follows:

“The Society of Financial Service Professionals is committed to creating and nurturing a diverse community for financial service professionals. We recognize that diversity of age, gender, ethnicity, and practice specialty will strengthen our ability to honor our core values of educations, ethics, and relationships.

Through its Diversity Advisory Group, the Society of FSP is identifying strategies and adopting policies to support the growing diversity of our membership. Benefit offerings, relationship-building, and leadership opportunities are developed with the objective of fostering inclusiveness and to help each individual member understand and meet the needs of the diverse clients they have.”

John Labunski – Member of Financial Service

 John Labunski is an avid believer in the services andresources that the Society of Financial Service Professionals provides to itsmembers. He immensely enjoys mentoring young people in finance andentrepreneurship, and he recommends that anyone who wishes to deepen theirknowledge and network become a member of FSP today. John Labunski is the highlyrespected founder of LWA Fund Advisors.

Source: John Labunski – Member of Financial Service Professionals