Agent Registration

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
Nov192014

Take the Lump Sum or Pension?, With Adam Moeller, Denver, Colorado

When deciding between taking your pension from your employer or the lump sum, Adam Moeller, a financial advisor in Denver, Colorado, says it really depends on your situation and meeting with an advisor will allow them to run some illustrations for you.  That being said, typically, taking the lump sum makes sense, Moeller says.

Adam Moeller, AJM FinancialThere are products available today allowing you to do a roll-over tax-free and put it into a product with guarantees of 7-8% for future income.  Moeller says if you have a few years to wait and don't need that money, he says you can definitely beat what your pension company would be giving you.  The biggest thing, Moeller says, is that in taking the lump sum, the money is in your control.  

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
Nov192014

Social Security Planning Strategies, With Adam Moeller, Denver, Colorado

Social security is a valuable part of everyone's retirement plan and it often doesn't get the same amount of attention as other strategies, such as IRA's, because it can't be managed.  Social security planning is a very complex process, according to Adam Moeller, a financial planner in Denver, Colorado and as such, he recommends working with an advisor who is specialized in social security planning.  

Adam Moeller, AJM FinancialThere are many social security strategies available.  One such strategy is file and suspend, where a spouse can received half of the worker's full benefits while letting the spouse's benefits grow at an 8% rate.  Working with someone who really knows the "in's and out's" of social security maximization is important, Moeller says.  The Social Security Administration cannot help with any planning strategies, rather just what your benefit amount is.  

According to last year's annual report from the Social Security Board of Trustees, the funding will last until 2033, Moeller says.  After that, they are projecting being able to pay 75% of the scheduled benefits.  With this reduction we're going to see, Moeller says it's important to take that into consideration and plan for it.  

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
Nov192014

Creating a Tax-Free Retirement Plan, With Adam Moeller, Denver, Colorado

When planning for retirement, many people seek strategies to create tax-free retirement plans.  One such strategy is converting their existing IRA's to Roth IRA's and while this isn't necessarily a tax-free strategy, as you need to pay the taxes up front, you know what the current interest rate is as opposed to later on when they might increase, according to financial planner, Adam Moeller, in Denver, Colorado.  He believes this strategy allows your assets to grow tax-free and during distribution, it's also tax-free.

Adam Moeller, AJM FinancialMoeller likes to have life insurance as part of the overall retirement portfolio, as it offers so many tax-favorable benefits.  Today's life insurance products are used for retirement planning and they can be modified to meet specific goals for the consumer.  If income is a goal, you can consider index universal life policy that will accumulate your cash tax-free as well as the distribution tax-free.  Moeller considers it a "turbo-charged" Roth IRA.  What's nice about the life insurance is that a lot of people can't qualify for Roth IRA's and you can't get to the money in a Roth IRA until you're at the age of 59 1/2.  With a life insurance policy, the money can be accessed sooner and there's no limits on what you put in.  

Tax-free is always better, says Moeller as some taxes can add up to a lot of money.  The best strategy he's using is the life insurance policies to mitigate taxes on his clients' assets, where he takes that asset and systematically transfers it into a life insurance policy.  As there is a certain level of complexity involved in doing this, it should be done with the help of an experienced advisor, Moeller says.

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
Aug062014

Bond Risks, With Adam Moeller, Denver, Colorado

People often turn to bonds as a safe investment vehicle but they do come with some inherent risks.  One of those risks is liquidity risks, as the bond market is far less liquid than the stock market as there are fewer traders and investors, according to Adam Moeller, a retirement planner in Denver, Colorado.  While government bonds can usually be sold quickly at an efficient price, corporate bonds, especially junk bonds, can be tough to unload.

Adam Moeller, AJM Financial, Denver, ColoradoInflation risk is also associated with bonds and while at the moment, inflation is mild, Moeller cautions it won't be that way forever.  He believes it's the biggest risk associated with bonds.  Lastly, there is the re-investment risk and when the economy slows down, interest rates decline and bond investors face a different problem there.  As their bonds mature, they're forced to re-invest their interest earned and any other principle they get back and securities with a lower rate of return.  This reduces the income being generated by their bond portfolio.

With the current bond bubble, those with a lot invested in bonds are wondering what to do.  Moeller says a lot of that money is flowing into fixed and hybrid annuities, which will perform just like bonds did over the last 5-10 years without the risk.  

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
Aug062014

Are Bonds Really a Safe Investment?, With Adam Moeller, Denver, Colorado

Retirees rely on bonds as a safe income vehicle and when interest rates are low, bonds perform very well.  However, there are some inherent risks with bonds and there are many ways they can affect a retiree's portfolio, according to Adam Moeller, retirement planner in Denver, Colorado.  

Adam Moeller, AJM Financial, Denver, ColoradoBonds have long been viewed as a low-risk asset class to create cash flow and most people have a mix of stocks and bonds.  However, these types of products are barely keeping up with inflation and Moeller feels there's a lot of things going on, the big one of which is inflation risk.  Bond prices and interest rates have an inverse relationship, so when one goes up, the other goes down.  In short, your bond will be worth less.  

There is also bond fund risk, which expose investors to a unique set of risks, where individual bonds do not.  Individual bonds are sold with a finite maturity, the date on which the investor gets their principle back and the interest being received stops.  Interest rate fluctuations don't affect investors who hold individual bonds, notes Moeller.  Fixed income security held within a bond fund, however, are designed to mature on a staggered basis, creating a perpetual income stream for investors and the fund manager replaces bonds as they mature. 

Credit risk is a third risk associated with bonds, which is something else clients don't often see.  The yield for bond investments correlates closely with the credit worthiness of the corporation and the government that issues these bonds.  The major credit agencies review the bonds and grade them based on financial stability so investors are compensated for that assumption of risk, Moeller explains.  

Moeller has seen clients lose millions of dollars in bonds and they are often seen as a "safe haven," but they're really not, Moeller says.  

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.