Keith and his son Josh at Chihuly in the Garden

I was able to get out to Scottsdale last weekend to visit Josh while he’s on spring break. We had a great time. I can’t believe he’s all grown up. While we were there we visited Chihuly in the Garden exhibit. Artist Dale Chihuly is credited with revolutionizing the Studio Glass and his work is included in more than 200 museum collections worldwide including the Metropolitan Museum of Art and the Smithsonian American Art Museum. It was truly spectacular, especially after the sun went down!

Click below for the gallery.

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The Bull Market Just Celebrated its 5th Birthday

Smart Money with Keith SpringerThe Bull Market Just
Celebrated its 5th Birthday.
Will There Be a 6th?


Bull markets only last so long.  Does this bull still have room to run?  And when the market does come crashing down, is your portfolio positioned and protected?  Get the answers on a special edition of Smart Money with Keith Springer!  Keith interviews special guest, Portfolio Manager Brian J Frank.  Discover why his fund has been awarded the Wall Street Journal’s Category King in the Multi-cap Core Category 8 times!  Brian Frank tells all, including where he’s investing his own money right now!

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Keith Springer’s Latest Economic and Market Update

Keith Springer Conference CallGet the latest economic and market update, and what it means to your portfolio!

Listen to our client conference call recorded last night

The Coming Retirement Crisis
-How To Position And Protect Your Investments!

Smart Money With Keith SpringerOur country is staring down the gun barrel of a major retirement crisis. It’s a perfect storm of grand proportions including the skyrocketing cost of healthcare; rising taxes; and the fact that we’re all living longer (and have to make our retirement savings last longer!) This week on Smart Money with Keith Springer, Keith reveals the strategies to position and protect your investments from this perfect storm!

Listen Saturday at 7AM, on TALK650, KSTE or Sunday at 11AM on News Radio KFBK.

Missed a show? Visit our podcast archive.

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The Coming Retirement Crisis

Smart Money with Keith SpringerThe Coming Retirement Crisis
How To Position And
Protect Your Investments

Smart Money with Keith Springer On KSTE KEBK

Our country is starting down the gun barrel of a major retirement crisis. It’s a perfect storm of grand proportions including the skyrocketing cost of healthcare; rising taxes; and the fact that we’re all living longer (and have to make our retirement savings last longer)! This week on Smart Money with Keith Springer, Keith reveals the strategies to position and protect your investments from this perfect storm!

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March Client Conference Call

Keith Springer Monthly Conference Call

Conference Call Archive:

Tuesday, April 8, 2014 6 PM

Wednesday, March 12, 2014 6 PM

Tuesday, February 11, 2014 at 6 PM

Tuesday, January 21st at 6:00 PM

Tuesday, December 10th at 6:00 PM

Monday, October 28th at 6:00 PM

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Preparing Your Portfolio For Deflation

Preparing Your Portfolio For Deflation

Walking a tightrope but with a safety net

Keith Springer on Preparing Your Portfolio For Deflation

If you want to know how many opinions there are about the economy, just multiply that by the number of investors out there. 2014 marks my 30th year in this business and I can honestly say that this is the most difficult environment I have ever witnessed. Most of this comes from the fact that the biggies, Bernanke and now Yellen, have changed all the rules. Free market capitalism has been tossed aside while they play God, bailing out their favorite cronies and printing trillions of dollars on a whim. Nevertheless, there are still plenty of ways to make money in this market if you know how to proceed.

At the end of the day, all the kings’ horses and all the kings’ men cannot fight the true underlying economic forces that ultimately reign. There is one fundamental rule in economics: for an economy to grow you need more spenders…period.

As I detail in Facing Goliath – How to Triumph in the Dangerous Market Ahead, the aging of America and the entire developed world are a hill so steep that even the Fed’s printing press cannot ultimately climb. The bottom is that the baby boomers are well past their peak spending years, and the generation behind them, Gen-x is far too small to make up their spending.

Not until the Echo-boomers, the children of the baby boomers get into their peak spending years will the economy take off again. The good news is that we have this generation, unlike much of the world. The bad news is that its 5-8 years away. Until then, we will be living with deflation. This is good if you are in the work force making money. This is not so nice if you are retired or out of work.

What is giving witness to this is the bond market. If we were on the verge of a new economic surge, as stocks have been suggesting, rates would be rising. Given the stock rally we’ve seen, the 10 year bond should be above 3%, instead it’s 2.55%. In bond market terms, that’s big money!

Investor Strategy
There are strategies that investors need to take in order to get the best returns with the least risk possible. We don’t need the best economy possible to be profitable, we just have to know how to play it. I do not believe that we are on the verge of a new economic collapse or a major crash….not yet. I expect the economy to limp along, never really taking off but not bad enough to throw us into another recession. This will keep the Federal Reserve stimulating with continued low interest rates and if inflation doesn’t get above their 2% target, a new round of Quantative Easing.

Stocks will be OK because they take their cue from corporate earnings, which will continue to go higher from continued cheap labor and cost cutting that has left them lean and mean. Certain sectors will do much better than others. More importantly, investors will have to be very nimble in the coming months, taking a “tactical” approach and not buy-and-hold, otherwise known as buy-and-hope!

…… 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…and/or get a free second opinion on your portfolio, simply reply to this email, or give me a call for a no-cost no-obligation consultation today at (916) 925-8900.

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Are You Ignoring Your 401(K)?

Keith Springer  Are You Ignoring Your 401(K)?

Keith Springer Are You Ignoring Your 401(K)?

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Essential Tax Time Tax Tips

Keith_Springer_7_easy_tips_on_how_to_save_money_on_taxesDo you feel that hand in your pocket? No it’s not your kids, they’re still asleep. (Although in my case, Josh is at school in Tucson, but I still feel his hand in there!). You guessed it, It’s Uncle Sam, and he’s looking for more, with a vengeance! With taxes rising and deductions quietly being eliminated, it’s up to us to take advantage of the few tax law benefits we’re still allowed.

To help you with the important information you’ll need for your taxes this year, Here is my updated Key Financial Data and Tax Chart for 2014. This shows IRA and retirement plan contribution and deduction limits, the new tax rates, Social Security and Medicare premiums, and a whole lot more! Save this file, it will prove indispensable.

I have illustrated some of the key retirement plan contribution and eligibility requirements below:

To make IRA and retirement plan contributions, Individuals must meet specific requirements to be eligible.

  • Eligible income required. Contributions must be made from eligible compensation, such as W-2 wages/salary, commissions, self-employment income, nontaxable combat pay, and other amounts earned from working.
  • Special rule for spouses. If an individual does not earn income from working outside the home but is married to someone who does, that person’s IRA contribution can be based on the working spouse’s income. In such cases, the couple must file a joint federal tax return.
  • Contribution limits – See Key Financial Data and Tax Chart for 2014
  • Age limits – Contributions for a traditional IRA must stop the year the individual reaches age 70½ and after. This limitation does not apply to Roth IRA contributions.
  • Roth limits – Contributions cannot be made to Roth IRAs if the individual’s modified adjusted gross income (MAGI) exceeds a certain amount. Roth IRA contribution limits are phased out if the MAGI falls within a certain range. See below:


Deposit deadline. Most retirement plan contributions can be made by the owner’s tax filing due date, which is April 15, or later if you file an extension.

Avoid penalties!

  • 10% early distribution penalty on distributions that occur before the account owner reaches age 59½
  • 6% excise tax on excess contributions that are not corrected by the applicable deadline
  • 50% excess accumulation penalty on required minimum distributions (RMDs) that are not withdrawn by the deadline


Be the expert or hire one!
You basically have to be a retirement expert to understand this mess we call the tax code and to make sure you do not run out of money in retirement. We get new clients all the time that have been with their advisor’s for over 20 years, but realize they need a qualified retirement advisor that takes a comprehensive holistic approach to your finances as you enter those golden years. We don’t take unnecessary chances because we know you can’t replace this money.

That’s why it’s so important for retirees and those planning for retirement to graduate to a qualified retirement advisor who can help put a plan in place that incorporates not just your investments but everything: Social Security timing and optimization, Elder care planning so you don’t give away all your money at the end of life, setting up a retirement income stream that cannot outlive as well as bulletproofing your portfolio….and it all starts with a free Retirement Income Analysis…. or just give me us call for a no-cost no-obligation consultation today at (916) 925-8900.

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Free Investor Workshop March 1st 2014

Keith Springer Investor Workshop


Keith Springer Investor Workshop

Smart Money with Keith Springer Seminar

Attend a special, one-time “Harry Dent Method’ investor workshop next Saturday March 1st. Presented by Keith Springer, Hs Dent Research Charter member. This is part of the Smart Money with Keith Springer Retirement Workshop Series.

This workshop is designed for investors who want to learn and take action to position their portfolio based on Harry Dent’s proven theories and portfolio strategies and to protect themselves in the coming stock market crash.

In addition, you’ll also learn how to protect yourself from the skyrocketing cost of healthcare, higher taxes and some little-known strategies on how to never run out of money in retirement!

This educational workshop will be jam-packed full of information to bullet proof your retirement, and is free to anyone with at least $250,000 in investable assets!

To attend this “Harry Dent Method” educational workshop that I will be presenting next Saturday, March 1st! at the Springer Financial Building in Natomas, Reserve your seat now by calling 916-925-8900! This will definitely fill up fast so be sure to call right away. 916-925-8900!




Your Host: Keith Springer


KTXL FOX40′s Financial Analyst, host of Smart Money with Keith Springer on 1530 KFBK, author of Facing Goliath- How to Triumph in the Dangerous Market Ahead & frequent contributor on CNBC, FOX Business, WSJ, & many more.






Presented By: Ed Guanill


Preservation & guaranteed income planning specialist, and regularily heard on Smart Money with Keith Springer.






The presenter, speaker, and/or sponser of this informative seminar is a California licensed, independent insurance agent or agency who represents numerous insurance companies. The presenter, speaker, and sponsor of this invitation, as well as informatin presented, is not related to, connected with, or approved by any government organization.

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Stop Needlessly Overpaying Taxes

Keith Springer on Stop Needlessly Overpaying Taxes!

Keith Springer on Stop Needlessly Overpaying Taxes!

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Springer Financial Advisors, Financial Planning Consultants, Sacramento, CA