Financial Retirement Planner Denver Colorado Adam Moeller "Retirement & Inflation"

Sometimes it's difficult to imagine the significant impact inflation will have on our budget because of the slow and steady pace of price increases. But any retiree can tell you that inflation is one of the most significant financial obstacles to living a comfortable life. After all, a meager 2 percent annual inflation rate since 2000 would mean a 27 percent increase by now. If inflation were just one percentage more at 3 percent, then the increase in prices would be 43 percent.

Denver Retirement Planner Adam Moeller says "It's important to consider inflation when planning for retirement as it can drastically affect purchasing pwer over time."

The Fiscal Cliff & Retirement - Financial Planner Adam Moeller Denver Colorado

The Bush tax cuts play the starring role in the fiscal cliff drama. They impact a large part of our tax code, and if they expire as scheduled on December 31, various rates will jump.

For retirement savers, the worries center on possible hikes in tax rates on income, capital gains and dividends.

Financial Advisor Adam Moeller in Denver Colorado says it's a good idea to meet with your advisor but cautions against upending investment strategies in reaction to Washington's eventual decision on the cliff. Even if tax rates rise, the bite could be minor compared with the impact of changing your long-term portfolio strategy.

Adam J. Moeller - President  

AJM FINANCIAL, LLC

695 S. Colorado Blvd., Ste. 480

Denver, CO 80246

Office: 720.974.4800

Fax: 303.722.7281

adam.J.moeller@hotmail.com

Social Security Retirement Planning Financial Advisor Adam Moeller Denver Colorado

adam.J.moeller@hotmail.com
Social Security provides 50% of the income for more than half of married retired couples and about 20% for high earners. Moreover, it's the only source of income you're likely to have that's guaranteed to last for life and keep pace with inflation.

But given the complexity of the Social Security calculations, it's tough to figure out how to make the most of it. It's also difficult to get good advice. Retirement planning expert Adam Moeller in Denver, CO. says "Social Security representatives are actually prohibited from giving advice." Moeller adds..." Tax considerations can be crucial...so it's important to get help from an advisor who understands the complexity involved with planning for Social Security benefits."

What is long term care insurance? Retirement Planner Adam Moeller Denver, CO

adam.J.moeller@hotmail.com
What is long-term-care insurance?

This type of policy covers basic daily needs over an extended time. While health care insurance or Medicare helps pay for immediate medical expenses, say, a surgeon's bill, long-term-care insurance helps people cope with the cost of chronic illnesses, such as Alzheimer's disease, or various disabilities. The policies pay for assistance with everything from the basics — bathing and dressing — to skilled care from therapists and nurses for months or even years.
Financial Advisor Adam Moeller in Denver Colorado says "long term care costs can easily use up your retirement savings quickly." Moeller says "new hybrid products combining insurance and an annuity can be particularly helpful."

Annuity Popularity Gaining: Adam Moeller Denver Colorado

Market volatility and the desire for safety have contributin factors in the growing popularity of annuity products. Annuity agent Adam Noeller in Denver says the ability to protect assets and provide lifetime income is very attractive now.