Retirement Planning Is More Than Just The Stock Market

If you are looking at just the stock market as your retirement plan, your missing out.  There is so much more to putting a successful Master Retirement Plan in place.

Tune into Smart Money with Keith Springer this Saturday at 1pm as Keith exposes how this could be devastating to your well laid plans and unveils proven strategies to get you to retire in style.  That’s 1pm this Saturday right here on KFBK.

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to last week’s show “7 Retirement Planning Must Do’s – Part 2″

Listen to past podcasts

 
 
 
 
 
 

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Critical Market Update

To learn what’s going on in today’s world with the economy and financial markets, in plain English, and too see where stocks and bonds are headed be sure to watch this brief video update.

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7 Retirement Planning Must Do’s – Part 2

This retirement thing is hard! You are already retired and want a comfortable lifestyle or you want to retire as soon as possible, like yesterday.

Proper retirement planning is so much more than just managing your assets. Tune in as Keith unveils the top 7 important and most often overlooked retirement planning must do’s…

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to last week’s show “7 Retirement Planning Must Do’s – Part 1

Listen to past podcasts

 

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The 7 Retirement Planning Must Do’s

This retirement thing is hard! You are already retired and want a comfortable lifestyle or you want to retire as soon as possible, like yesterday.

Proper retirement planning is so much more than just managing your assets. Tune in as Keith unveils the top 7 important and most often overlooked retirement planning must do’s…

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to last week’s show (December 13 ) ,  “Fixing the 5 Blind Spots in Your Retirement Plan” 

Listen to past podcasts

 

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Why Does the Stock Market Stink So Far This Year?

0511-1004-3017-5247_Cartoon_of_a_Guy_Taking_Smelly_Garbage_Out_clipart_imageFor the last few months I have been saying how positive it looks for many U.S. companies. So why has the  stock market done so poorly?  Not only is it down for the last few months, but market volatility has gone through the roof with 100 point swings a daily occurrence. That’s a big deal if you are retired or planning for it!
The positives, such as lower oil prices, a strong dollar, rapid technological and biological advances and sustained low interest are still in place. It’s just the speed at which these occurred that has spooked investors.

There is no doubt that the Euro and the yen have fallen so sharply vs. the U.S. dollar due to their massive stimulus programs. This is hurting the earnings of multinationals when translated back to dollars. However, stronger earnings going forward is still very much in place; it’s just being affected by the currency conversion. This type of negative effect is far more welcome than lower earnings stemming from decreased demand and a recession.

Another big time factor is the complete collapse of the price of oil. Again, it happened so fast and was so unexpected, that it too is having a sudden influence of earnings. Yes, there will be casualties such as layoffs in the new Domestic oil heartland. However, the $1.2 trillion windfall to American consumers will be a boon for domestic demand and consumption and come at the perfect time to offset the stronger dollar,

Therefore, once things moderate and everyone gets their panties out of a bunch, I expect the market to rise to new highs, albeit with much more volatility and risk.  The wild card is the Fed and interest rates.

I called it dead on and stood alone in Facing Goliath – How to Triumph in the Dangerous Market Ahead, as I predicted DEFLATION and low rates would permeate, not inflation as everyone and their had mother expected.

The 10 year treasury is now 1.6%, almost at my 1.5% target and probably heading to 1%. Therefore, there is no reason for rates to rise. Yet I fear the Fed raising the fed funds rate slightly just to “see what happens.” That would scare the bejesus out of investors and send the market plummeting. Thus all the more reason to always “Invest for need, not for greed” and take the least risky way to achieve your objectives.

Investor Strategy

The increased volatility could be an early warning signal that a bigger drop could be coming. However, none of the other indicators are currently showing such and I don’t expect one, but it’s my job to always be paranoid and prepared. We are way overdue for a normal sizable correction and or bear market.

The key is to be invested properly with a qualified retirement advisor and have a plan for the good times as well as the bad. As you get older it’s harder to replace this money…unless you don’t mind working forever. If you are retired or close to it, “how much can I make” is replaced by “how much can I afford to lose” or “how much do I want to lose.” This will ensure you are looking at the big picture and getting the returns you “need,” but with the least risk possible, so you don’t get hurt too badly, or at all, when the market turns down again.

…… and that’s where we can help. To learn more about The Springer Investment Approach, which is our powerful proprietary Investment Management Strategy designed to manage risk and deliver returns in any market, or to get a free second opinion on your portfolio, simply reply to this email or give us a call for a free consultation today.

 

Sincerely,

Keith Springer

916-925-8900

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Fixing the Five Blind Spots In Your Retirement Plan

If you are retired or close to it, you need certainty. However, the future is unpredictable and there’s no way to account for every possible scenario. Those who prepare diligently are sure to succeed while those who put if off are doomed to fail.

Tune in to Smart Money with Keith Springer this Saturday at 1pm as Keith unveils the keys to fixing the blind spots in your retirement so you can live out those golden years in comfort and style!

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to last week’s show  “What Can The Superbowl Teach Us About Financial Planning”  

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What Can The Superbowl Teach Us About Financial Planning

Proven Strategies To Win the Biggest Game of Your Life 

Do you think Tom Brady or Russell Wilson can win this game all on their own?  Not a chance!  You  need the whole package to win the Superbowl…a good offense, a good defense and a great coach.  Tune in to Smart Money with Keith Springer this saturday at 1PM as Keith unveils the best offensive and defensive strategies to position and protect your investments in the new year.

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to Part Two of  “Your Essential New Years Resolution Checklist – 2″  

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How to Lock In Your Stock Market Gains with Limited Losses

With Special Guest, Jason Jenkins, Founder of AssetLock

Would you like a magic pill for investing your hard earned money in the stock market so you let your gains run but limit your losses to a very small amount or even zero?

Tune in to Smart Money with me, Keith Springer this Saturday at 1pm, as I interview special guest, Jason Jenkins, the founder of AssetLock and he unveil the secrets to making money in the stock market without fear of big losses or any losses at all, that’s this Saturday at 1PM right here on KFBK.

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to Part Two of  “Your Essential New Years Resolution Checklist – 2″  

Listen to past podcasts

 

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Critical Market Update Video

To learn what’s going on in today’s world with the economy and financial markets, in plain English, and too see where stocks and bonds are headed be sure to watch this brief video update.

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Your Essential New Years Resolution Checklist – Part 2

8 Critical Steps For Financial Success In 2015

Is your new year’s resolution to make more money and retire without worry?  Then tune into Smart Money with Keith Springer this Saturday at 1pm, as Keith completes the 8 critical steps for financial success in 2015.  That’s Saturday at 1pm right here on News Radio KFBK

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to Part On of  “Your Essential New Years Resolution Checklist – Part 1″  

Listen to past podcasts

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