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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

Wednesday
Jul232014

Using a Financial Planner Can Increase Retirement Income By 23%, With Adam Moeller, Denver, Colorado

A new Morningstar analysis finds that those working with a financial planner see 23% more in their retirement income.  There really hasn't been a way to "value" what financial planners do for people until now and David Blanchett, head of Retirement Research for Morningstar, came up with five different planning techniques for financial planners to use and see what type of value it produces.

Adam Moeller, AJM FinancialOf these five techniques, total asset allocation, a dynamic withdrawal strategy, annuity allocation, tax planning and lialibity-related optimization, the top two were dynamic withdrawal strategy and asset allocation.  Adam Moeller, a financial planner out of Denver, Colorado, says that those top two factors are important to look at when trying to get that extra 23% of income.

With those two techniques, Moeller says you'd have to be working with someone who understands those concepts in trying to attain that extra 23%.  The withdrawal strategy accounts for 9% of that 23%, so Moeller says that working with an advisor who knows how to successfully take out more income is important and is something a lot of advisors don't know how to do.  He adds that there's a big difference between the asset growing phase and distribution phase and it's the distribution phase that Moeller focuses on with his clients. 

The analysis also looks at the costs associated with working with financial advisors, many of whom will charge at least 1%.  Moeller says that working with an independent advisor, like himself, who receives payment from the company he works for instead of from the client, is a huge benefit for the client. 

Adam Moeller can be reached at 720-974-4800 or at myajmfinancial.com. He spoke with Retirement News Today, providing online retirement video news content.  Retirement News Today is a featured network of Sequence Media Group.

Wednesday
Jul232014

Is Working Longer the Best Answer When Planning For Retirement, With Adam Moeller, Denver, Colorado

When Adam Moeller, a financial and retirement planner in Denver, Colorado, first started out in the business 11 years ago, he never came across clients that said they'd work until the age of 75 but today, these numbers are getting longer and longer and it's now not uncommon for him to meet with people wanting to work until the age of 80. 

Adam Moeller, AJM FinancialMoeller says that not only are people living longer today but the fixed costs of housing and healthcare are out pacing inflation, so if you don't have assets to keep up with that inflation, you can put yourself into a hole. 

While working until the age of 80 is great, if you have a job, that's not always possible Moeller says.  What people are facing these days is that these companies are not helping them out as much as they used to, for example, with providing health insurance. Moeller says working on your expenses is key and working with a financial planner who can put a budget together to manage your money.

Moeller advises against getting into more equities as you get older because you can't afford that risk at that point.  He recommends saving for 30 years towards retirement, especially when you need to factor in healthcare costs.

Adam Moeller can be reached at 720-974-4800 or at myajmfinancial.com. He spoke with Retirement News Today, providing online retirement video news content.  Retirement News Today is a featured network of Sequence Media Group.

Wednesday
Jul232014

Best Time to Take Social Security Benefits, With Adam Moeller, Denver, Colorado

The latest advice from financial planners when it comes to social security benefits is to take them earlier than 70.  Adam Moeller, a financial planner from Denver, Colorado, says there's a break even analysis that a lot of people use in determining the best time to take social security.  He says if you expect to live past the age of 77, then waiting is typically the best thing to do but says there's "a lot more to it than just that."

Adam Moeller, AJM FinancialThere's a lot that goes into all of this, Moeller says and that if you call Social Security, you will only get your benefit amount and not how to maximize your benefits.  With the mortality tables going out longer today, with men living to 77 and women living to 82, sometimes that's all you need to think about but Moeller says there's a lot of unexpected things that come up.  The government can change social security and already has, now that it's taxable. 

Moeller says we don't know what will happen going forward but says there are other variables to be considered, such as whether you're married, if you're working or if your spouse is working, whether you have income or pensions coming in and that everyone's different.  That's why it's important to work with a financial planner who understands the in's and out's of social security planning and really maximizing socials security.

Adam Moeller can be reached at 720-974-4800 or at myajmfinancial.com. He spoke with Retirement News Today, providing online retirement video news content.  Retirement News Today is a featured network of Sequence Media Group.

Wednesday
Jul232014

Jim Cramer's Advice to "Flee to Safety," With Adam Moeller, Denver, Colorado

Jim Cramer, host of "Mad Money" on CNBC, recently gave some advice that surprised many, including Adam Moeller, a retirement planner in Denver, Colorado.  Cramer said that if you are in cash, you should stay there and if you have gains, they should be taken.  Cramer has said that there are too many investors out there who don't understand the risks they're facing in the stock market.

Adam Moeller, AJM FinancialMoeller believes we're currently in a bubble, awaiting market correction but feels that Cramer is suggesting that people examine the risk they have and going forward, he thinks the biggest risk to us right now is Iraq.  Moeller believes it's certainly possible that Iraq's oil fields can get shut down. 

As Moeller hasn't seen these bear markets that Cramer's seen, only having been in the business for 11 years, they have been caused by Iraq and the spike in oil.  Cramer predicts a drop of anywhere from 2-5% in the near term and if the crude oil jumps, Moeller says we could see a lot more than that.  Moeller agrees with Cramer's predictions in that we'll probably see something similar. 

Adam Moeller can be reached at 720-974-4800 or at myajmfinancial.com. He spoke with Retirement News Today, providing online retirement video news content.  Retirement News Today is a featured network of Sequence Media Group.

Monday
Jun302014

Hybrid Annuities Gaining in Sales, With Adam Moeller, Denver, Colorado

https://vimeo.com/99284904

Hybrid or fixed indexed annuity sales are up 39% since this time last year.  Adam Moeller, a financial advisor with AJM Financial in Denver, Colorado, has been working with annuities for the past ten years and says there are four main types of annuities.

Adam Moeller, AJM Financial, Source: myajmfinancial.comAn immediate annuity is when you give a lump sum of money to an insurance company and in return, you get payments typically for the rest of your life.  A fixed annuity is very similar to a bank CD, for a fixed term and interest rate.  A variable annuity is where you give your money to an insurance company and they have 40-50 different mutual type accounts and you choose these accounts.  Your returns are based upon how the market is doing at the time and the biggest issues with variable annuities are the fees, Moeller cautions, which can be anywhere from 3-7% annually.  

The most popular type of annuity right now is the hybrid annuity, which is also called an equity or fixed index annuity.  The insurance companies have taken the best features of all the other three annuities and put it into one hybrid annuity.  It's a lump sum going in and at any time, you can take that income stream and if you pass away, your beneficiaries get the money, vs. an immediate annuity in which the insurance company keeps the money.  What they took from the fixed annuity is that you're always going to have a guaranteed fixed rate of return of 4-7%, regardless of how the market is performing.  From the variable annuity, they took that your money is linked to the market in some fashion.  Over the past three years, there has been close to $27 billion that has gone into hybrids, according to Moeller.

Registered reps are starting to realize the importance of adding hybrid annuities to a well-rounded portfolio, Moeller says.  "It can reduce the risk exposure of the entire portfolio while improving the overall performance," he adds.  If a client is interested in annuities, they need to ask themselves what they want to achieve before they make a purchase and working with a credible advisor will help.  Once goals have been established, specific products with features to fit their needs can be considered.

Adam Moeller can be reached at 720-974-4800 or at myajmfinancial.com. He spoke with Retirement News Today, providing online retirement video news content.  Retirement News Today is a featured network of Sequence Media Group.