Smart Money with Keith Springer Saturdays at 1PM and Sundays at 6AM on NewsRadio KFBK 93.1 FM and 1530 AM

Keith Springer of Springer Financial Advisors Video

Male: Now, let’s get to the U.S. markets. Joining us this morning, Keith Springer, President of Springer Financial Advisors.

Female: Let’s ask Keith Springer Springer Financial Advisorsof Springer Financial Advisors…

Male: Financial Analyst, Keith Springer…

Female: Keith Springer joining us once again to take a look at the markets.

Male: We have our smart money expert, Fox 40 Financial Analyst, Keith Springer.

Male: Keith Springer, it’s good to see you. Thanks a lot.

Keith Springer: One of the biggest things that I see people do that they don’t realize they’re doing is delaying off and putting off inevitable decisions, retirement decisions, important financial decisions. A lot of it happens to be paralysis by analysis. We’re just so overwhelmed by what’s available out there. Or, they have friends telling them they should or shouldn’t do something.

Ed Guanill: Time is the most precious commodity there is because you don’t get any back. Every day that goes by is a day closer to retirement. Oftentimes, we find that people just wait too long to really start thinking about and planning for their retirement.

Keith Springer: So, it’s critical for people, as they approach that retirement red zone within a few years of retirement, to seek out that qualified retirement advisor. And it’s a lot easier to plan before you lose it in the next market crash. Learn how to preserve it, making sure that you create the income stream that you need for the rest of your life from that money.

You want to figure out Social Security optimization. Our parents and our grandparents just flipped it on and took the income as they wanted to. But, I don’t know if — most people don’t know, at 62, a 62-year-old couple, there are 1,379 different options to choose from. Elder care issues, 70% to 90% of a person’s wealth gets destroyed in the last two to two and a half years — and just really how to get the best returns on your portfolio, but with the least risk possible.

Matt Curtis: You don’t want to meet with somebody for an hour or two hours, have them put you into something off the shelf. That’s the philosophy that’s here, is we take our time, we custom design things for our clients that put them in a better position so that they can have some comfort in their retirement.

Ed Guanill: When I think of retirement, I think of just being able to do all the things I like to do without the worry of money. And the only way you could do that is you have to have a plan. I always say that failing to plan is planning to fail. So, we can’t encourage people enough to get started as soon and as early as possible because, oftentimes, if you wait too long, it’s just going to be too late.

Keith Springer: There’s nothing better than having someone come up to you after long, hard working years, and investing their money properly, protecting them when the market goes down, and them looking at you and going, “Thank you. Because of you, I can retire. And I know my family is comfortable, and safe, and will be for the rest of my life and hopefully theirs.”

Springer Financial Advisors ("Advisor") is a federally registered investment adviser located in Sacramento, California. Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California. Advisor's web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Advisor's web site on the Internet or dissemination of informational emails should not be construed by any consumer and/or prospective client as Advisor's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. A copy of Advisor's current written disclosure statement discussing Advisor's business operations, services, and fees is available from Advisor upon written request. You may also obtain publicly available information about Advisor through the SEC website as follows: Advisor does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Advisor's web site or incorporated in an email, and takes no responsibility therefore. All such information is believed to be reliable and authoritative but does not constitute sufficient information to be the sole basis for sound investment decisions and all users thereof should be guided accordingly. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Advisor) made reference to directly or indirectly by Advisor in its web site, email, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio. Certain portions of Advisor's web site (i.e. articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Advisor's (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Advisor, or from any other investment professional. The information is of a general nature and should not be applied indiscriminately to particular situations wherein it may not be completely applicable. Advisor is neither an attorney nor an accountant, and no portion of the content should be interpreted as legal, accounting or tax advice.