=== Azul’s “Scammer” Warning & Disclaimers. PLEASE READ!! ===
Be careful of scammers. In the comments, I will NEVER suggest you contact me, offer any investment products, recommend an adviser or anything similar. Some scammers ask for investment help in the comments and later, other commenters post how “great that idea/investment/person is” in the replies. This is a scam. Do not fall for it.

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NEED FINANCIAL ADVICE?
1) Google “fee-only financial adviser” or visit www.NAPFA.org
2) #1 question to ask any financial adviser is “Are you a fiduciary to me 100% of the time” Get the answer in writing
3) Please note that some people call themselves “fee-based”. This is NOT the same as fee-only. Fee-only advisers have committed to being a fiduciary to you 100% of the time.
4) Speaking just for myself personally, I would only hire an adviser who is a fiduciary to me 100% of the time. This is not a suggestion on what you should do. We are all different and I do not know your personal situation.

MY VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer):

This information is provided to you as a resource for informational purposes only and should not be viewed as investment advice or recommendations. To get professional financial advice from a fee-only financial advisor near you, please visit www.napfa.org.

The decisions on how to invest, when to retire and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the decision that is right for you and your family.

This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor may NOT be suitable for all investors.

This information is NOT intended to, and should NOT, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, and/or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.

I don’t believe in “get rich” programs. Rather, I believe in doing your homework and working with professionals who are a fiduciary to you 100% of the time….(read more)

LEARN MORE ABOUT: IRA Accounts

CONVERTING IRA TO GOLD: Gold IRA Account

CONVERTING IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

retirement planning is an essential part of financial management, and it’s crucial to consider the types of assets you’ll need to support yourself after you stop working. While many people focus on saving in their 401(k) or IRA, there are several other assets that can provide security and stability in retirement. It’s important to have a well-rounded portfolio that includes a variety of assets to ensure that you’re prepared for the unexpected. In this article, we’ll discuss four must-have retirement assets that many people overlook.

1. Real Estate
Real estate is an often overlooked retirement asset, but it can provide a steady stream of income and can increase in value over time. Owning rental property can provide a reliable source of passive income, which can be especially valuable as you age. Additionally, you can downsize your primary residence and use the proceeds to support your retirement lifestyle. Real estate can also act as a hedge against inflation, as property values tend to increase over time.

2. Health Savings Account (HSA)
A health savings account is a tax-advantaged account that allows individuals to save for medical expenses. Contributions to an HSA are tax-deductible, and withdrawals used for qualified medical expenses are tax-free. Once you turn 65, you can use the funds in your HSA for any purpose without penalties. This makes an HSA a valuable asset for retirement, as healthcare expenses tend to increase with age. By utilizing an HSA to save for medical costs, you can protect your retirement savings from being depleted by unexpected health issues.

3. Annuities
Annuities are insurance products that provide a guaranteed income stream for life or a specified period. While annuities can be complex and come with various fees and restrictions, they can be a valuable addition to a retirement portfolio. Annuities can provide a reliable source of income and can act as a form of insurance against outliving your savings. Additionally, some annuities offer protection from market downturns, providing a level of security for retirees.

4. Long-Term Care Insurance
Long-term care insurance is another often overlooked retirement asset. As people age, the likelihood of needing long-term care increases, and the costs associated with it can be significant. Long-term care insurance can help protect your retirement savings from being entirely consumed by these expenses. By purchasing a long-term care policy early in retirement, you can ensure that you have coverage in place should the need for long-term care arise.

While many people focus on saving in their retirement accounts, it’s essential to consider a wide range of assets to ensure financial security in retirement. Real estate, health savings accounts, annuities, and long-term care insurance are all valuable assets to consider for retirement planning. By incorporating these assets into your retirement portfolio, you can help safeguard your financial future and enjoy peace of mind in your golden years.