Low Interest Rates Are Making It A Tough Time to Retire
February 20, 2015
Hosted by Rik Saylor with Eric Hamberg
The higher the returns expected from your investment portfolio, the more you can sustainably spend from your portfolio throughout retirement. Low interest rates and highstock valuations both suggest that we should expect lower investment returns and spending in the future. We’ve had record low interest rates for 7 years now! And it’s literally punishing savers, and retirees. We’re living longer than ever before – so your money has to last longer. Possibly as much as 40 years. Healthcare, medical expenses, Stock prices are riding at all-time highs. So there are more headwinds facing you in retirement today, than ever before! The question is ... what are you doing about it? Advisory services offered through Rik Saylor Financial, a Registered Investment Adviser.Securities offered through National Planning Corporation (NPC), Member FINRA/SIPC.Rik Saylor Financial & NPC are separate & unrelated companies. NPC I.D. e-card #94130 NPC I.D. radio show #94017
Straight Talk Clear Decisions
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Our show, Straight Talk Clear Decisions, is an outlet for the Rik Saylor no-nonsense approach to demystifying the world of investments and wealth management. We help people grow, use and keep their wealth in a simple, straightforward fashion. By utilizing Transparent Wealth Management, we believe you, as an investor, should know what you’re buying, what the true total costs are, and what it is going to do for you. Our holistic approach is an end to end process. We offer either fee or commission based wealth advisory services. Our tax efficiency, planning and preparation help you keep more of your hard earned wealth. Know you have the right coverages at a fair price for your insurance protections. With probate avoidance estate planning and elder law, pass your wealth along to your loved ones rather than to courts, attorneys, and hospitals.
Rik Saylor with Eric Hamberg
Advisory services offered through Rik Saylor Financial, a Registered Investment Adviser. Securities and advisory services offered through National Planning Corporation (NPC), Member FINRA/SIPC, and a Registered Investment Adviser. Rik Saylor Financial and NPC are separate and unrelated companies.
Rik Saylor has been successful in wealth management for more than thirty years, having helped hundreds of families grow, protect, use and pass wealth. Through the years, Rik has dedicated much time and effort to educating the masses with a no-nonsense approach to wealth management.
Rik is securities and insurance licensed. He holds the Life, Health and Annuities licenses in California, Florida, Indiana, Kentucky, Ohio, Oregon and Tennessee. In addition, Rik has the FINRA licenses Series 6, 7, 24 Registered Principal and 66 Investment Advisory Representative. Rik is a board member of International Association of Registered Financial Consultants.
Within the community Rik chooses to affiliate himself with organizations and community leaders who choose to invest their time and talents helping to inspire tomorrow’s leaders as well as set precedent for the development of a stronger community.
Rik actively supports Hospice and has served as honorary chairperson multiple times. The Joe Nuxhall Character Education fund, the Miracle Fields, the Marvin Lewis Foundation, Jim Breech’s First Tee and the Wounded Warriors are just a few of his favorites.
Rik is a member of the Fairfield Chamber of Commerce and the 2010 Business Person of the Year. He is also an avid reader and shares his knowledge serving as a volunteer instructor for the OLLI program, Osher Lifelong Learning Institute, at the University of Cincinnati and the University of Dayton.